Are you kidding?  4.5% for 30 year conforming???  What is holding up the consumer?  I sure wish that I were in the position to refi, but for those of us in the Real Estate industry, we don't get to take part. 

But the good thing?  We can help the customer!  Whether you're a buyer, investor or real estate agent, this is a fantastic time for buying.  The inventory is at an all-time high, the rates are at an all-time low, and the fruit is just ripe for the picking.

Here's my challenge:  Give a lender or your real estate agent a call.  Find out if there's any benefit to you with these fantastic rates.  If you don't, I guarantee, you are going to wish you had in a few years.  You never know, you just might save yourself a lot of money!