Working on a refinance I will be @ 3.125 , I just missed the low of 3.00 by a few months. Coming from a fixed 30 year @ 5.5 , To a fixed 15 year @ 3.125 My payments will even be a bit lower then my old 30 year ! Love it , Jump on the wagon boys before rates go up, Not going to get to much lower IMO times are getting better. http://mortgage-x.com/trends.htm images.investorshub.advfn.com/images/uploads/2012/4/12/dcblwbottom.PNG