“Go to zillow.com “
Your post:
“I’m seeing 4.875% with no points from a number of lenders today “
Zillow is showing about 5.3 but conditions not shown.
I’m literally staring at my screen right now at Zillow for 4.3% 30 yr fixed 0 points, $970 lender fees in total, 25% down on a $1.2 million home from CIT bank (first citizens) with 3 other lenders at 4.3875% fixed with 0 lender fees with the same. It was a 4.875% from multiple lenders at 20% down on a $450k home in my zip code. Go into actually get a quote and fill out the (non-personal) information and you’ll see.
The #s I have given also assume 760+ credit score, which the median score of buyers today is about 775 so that would cover most.
I found our refi lender 15 months ago on bankrate.com.
Right now they are showing 4-3/8 for new 30 year fixed loans