Probably missed the low point in rates, but they are still good. Rates are heading up. The 10 year treasury has gone up about 50 bps in the last 4-5 months.
My advice is to go to a local mortgage broker, they can shop the spectrum of mortgage lenders. The worst is probably your local bank.
I paid off my mortgage 20+ years ago. If you don't owe anyone any money, then you can't go broke.
I have been in banking/mortgage for 40+ years and I am not seeking your business.
Just my two cents.
I'd take that advice to the bank.
