Based on the information provided - the rates at 9:45 am today were between 3.875 and 4.25%, depending upon the exact program used. This is assuming the use of $65,000.00 for down payment, and the avoidance of mortgage insurance.

You should be able to get a rate of close to 4% today. Rates change every day but I don't expect them to increase drastically any time soon. How soon are you looking at purchasing? Thanks for your inquiry. I appreciate it!Paul

Well your credit is great at 759, and hopefully your wife's credit is similar. FHA requires 3.5% down and credit score of 640... Conventional has the higher credit score requirements at 660 or better, and if you put 20% down, you pay no mortgage insurance. So $64,000 on a $320,000 is sufficient. contact a local mortgage broker, not a bank and apply with them. they have access to numerous lenders and can seek out the best rates and terms for your particular scenario. Keep in mind, most credible lenders will not just shot out a rate without knowing all the facts. And it's illegal to quote a rate without quoting the APR with it.

Here are some quick numbers for you to look at on a 20% down payment purchase:3.875% is a cost of .332%4.00% is a credit towards your closing costs of .128%I can give you a worksheet that lays out all the costs so you can see them, plus you may be able to get them paid by the seller.Thanks, Curtwww.CurtTiedeman.comcompany web site: www.1ratemtg.comWA Lic: MLO-35554425.988.2501 office direct line206.650.4202 cellc.tiedeman@1ratemtg.com

Hi There,My rates are posted on Lender 411 site. You will find that everyone has about the same rates, it's all about who you want to do business with.We a direct lender, in business for 41 years with no complaints.This means it's fast and easy and we do all the processing, underwriting and funding in house.Rich425-773-3100MLic# 120146

More factors have to known. I suggest you contact this gentleman in your state: http://www.keaneloans.com/Happy Holidays, Rudi