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I have locked at 4.875% with 0.875 points for a super conforming loan ($417K<x<$625K) for 30 yr fixed with Countrywide. The rates did drop about 0.5 points below my locked rate for a day or so last week but unfortunately I learned about that a bit too late and my Countrywide loan guy didn't...

Below was our list and we had been looking for three years and we finally decided to catch the knife and buy a property in Tustin Ranch that came very close to meeting all our hard criteria. I am glad we didn't buy two years ago but I'm afraid I won't be able to say the same thing two years from...