Reports from fellow mortgage professionals indicate the par 30 year conventional rate mortgage remains in the 5.00 to 5.25% range for well qualified consumers. Rate sheet rebate is mostly unchanged while a few lenders are marginally worse. To secure a par interest rate you must have a FICO credit score of 740 or higher, a loan to value at 80% or less and pay all closing costs including an estimated one point loan origination/discount/broker fee. If you are looking to secure a 15 year fixed rate, you should expect a par rate in the 4.50% to 4.75% range with similar costs.
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