Last Wednesday we opened up with rates at all time lows. An hour and a half later they were adjusting up, but none the less, still awesome. I just have to say if I can pass anything on to people looking to cath the best deal-move forward when you see big gains. Don't wait! Also, don't get greedy! Keep your benefit of long term savings into perspective and have realistic goals. If you want low costs, you will take a slightly higher rate. If you want lowest rate, you may have slightly higher costs.
I have had literally over 20 new applicants just in the last weekend, and volatile is the one word I would use to describe rates and market conditions. I calculate savings over my conversations, and by the next time I am in contact, one thing is for sure-terms have changed. What I am doing is narrowing down goals and letting clients know that when we can meet that specific goal, be ready to go and commit!
Hope many can benefit from the great positive move with the rates decreasing!
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