Right thats why you have a 2.85. 30 yr conv never really got below 3.5 (factoring in orig and fees). Today I belive you would be about 4.625 maybe even 4.5. 4.875 was the high last wk. Lots of change in 2months. Expect plenty of volitility over the next 12 months with Ben leaving and taper talk. Lock if you are happy with the rate, floating can be clostly quickly. I am not a mortgage professional only a consumer.
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