Reports from fellow mortgage professionals indicate rate sheet rebate to be WORSE this morning. The par 30 year conventional rate mortgage remains in the 4.625% to 4.875% range for well qualified consumers. To secure a par interest rate you must have a FICO credit score of 740 or higher, a loan to value at 80% and pay all closing costs including an estimated one point loan origination/discount/broker fee. If you are planning to access the equity in your home, you should expect either a higher interest rate or additional closing costs. ...