Because of the bad employment numbers rates ticked down and today hit lows again for the year. 15 year par pricing is 3.5 and a 30 year is 4.25. We are helping lots of borrower right now strategize their mortgage liability by taking advantage of these lows and switching to a 15 year or an ARM product that is as low as 2.375%. Call today if you want to take advantage of this amazing rates as well. 480-503-3533