With the average right now as of this writing it’s down to 4.89%. So needless to say mortgage applications are up. People are going to start buying homes again and going to start re-financing again. The tip today is this. If you are going to re-finance or do anything, I would suggest that you get a fixed rate loan. Do not do an ARM (adjustable rate mortgage) or anything like that. Right now you can get a 30 year fixed rate mortgage for under 5%. That is so strong.

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