twilight33 | Time on my side

So, I called the second lender because we hadn't heard anything back about the online application on Friday. The rep I got was extremely apologetic, it had been routed to the wrong office, and informed me that rates have dropped even more since then. The 4.75% was with 1.6something points. We're now talking about a whopping eighth of a percent more for no points at all. That change means we will be able to pay the closing costs up front (thank you IRS for the refund) instead of rolling them in saving us... even more money!

If they drop even more tomorrow when I fax in all the financial crap that would be great, but I have a feeling they'll start sneaking back up soon so we're locking it then.