3.5% FHA fixed for 30 years And 15 yr Mortgages at 2.875 fixed...

[David Krulac]

These rates are super loan.  Now is the time to buy or refi. 

One time I got a 15% mortgage fixed for 30 years and have had many mortgages around 9-12% range.  These rates are so low, that there is little room for them to go much lower.  The odds are that rates will go higher, don't know when but at some time in the future, you'll look back fondly at today's rates. 

Borrow responsibly, but I also say borrow as much as you can for as long as you can and fixed rates. And what I mean by that is don't borrow 50% LTV if the bank will let you borrow 80% LTV. Always go for the max.

I'm not a mortgage lender and have no financial interest in lending money.