Wild changes in mortgage rates the past few weeks … red bars indicate bond prices are down and rates are up. Bonds have been trading based on the news in Europe / Greece. Amazing that so much attention is focused on that issue when we have our own problems in the US … Still right at all-time lows in rates! Every comparison is made at no cost representing a “no-brainer” decision to take a look at a refinance. My favorite option is boat loans, to leave your payment the same and take years off your mortgage. 30 year fixed conforming $417,000 loan – 4.250% no cost 15 year fixed conforming to $417,000 – 3.750% no cost 30 year fixed conforming to $625,500 – 4.000% no cost Waiting for even lower rates could leave you on the sidelines … Fax me your mortgage statement and the last four digits of your social (so I can look up if Fannie or Freddie own your loan. I will get back to you with the benefit from a refinance or simply confirm you should stay pat. No fax? Just give me a call. You might benefit from additional monthly cash flow or take years off your mortgage keeping your payment the same by switching into a 15 year fixed loan. All comparisons are done with ZERO transaction costs. It would mean a lot to me if you forwarded this email to a friend, client or family member that would like to get a free analysis of their mortgage. As always, let me know if I can be of help in any way!