Yes and no!
Yes, if you are willing to pay points and fees, you can get a 30 year fixed rate under 4%. It may make sense for you to do so, but I doubt it. Let me explain…
We are living at an interesting time. Rates are at historic lows, but they could easily move lower based on the weakness of Europe and our own economy. So the strategy a lot of people are considering is – right now you CAN get a low-cost / “no cost” loan in the low 4′s. If you have a rate in the high-4′s or above, you should grab it. If rates TRULY drop into the 3′s without paying a fortune for the rate – you can refinance again!
So again, yes, rates are available in the 3′s for highly qualified clients with loans $417,000 and under. But, no, you can’t get the 3′s without a sizeable investment. Whether or not you should make that investment is something you should discuss with a mortgage professional.
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