Mortgage Rates change on a daily basis and can vary depending on your unique situation. Interest rate and points are delivered if the interest rate was locked in and your loan funds by the lock expiration date. The below rates were based on 30 Day locks. Many situations are different and you should keep that in mind when you use these rates as an indication of where the market is on a given day. Call me direct for a live quote. 858.259.3980 I will act as your advocate and do what is best for you.