今天如下的condition还是可以做到4.5%, no cost refi, 请参考我的loan club 每日 利率update. Single Family House - Owner Occupied LTV <= 75% FICO >= 740 30-day lock (case need to be simple and clean) loan amount (Conforming ~ 400K, HB ~ 600K) may need impound may need citizenship/Green Card LTV for 15 yr can be up to 80%