Huge congrats to my client, Cliff!
On a sidenote: Cliff managed to lock a 30 yr fixed loan at 3.95% with Coldwell Banker Mortgage!
Wow. Outstanding.
Hence, if looking to refi or purchase, the time to lock in your rate is NOW! The deals are unprecedented, the rates are historically low. Fantastic investment opportunities out there, particularly for first-time Buyers. My advice: don't delay if contemplating a move. Low rates typically provide a fairly small window.