What are the in actual fact rates for a 30 year fixed mortgage?

I know what I can see on bankrate.com and other sites, but what are people actually getting for a rate on a 30 year fixed? If you lately bought a house or refinanced, what was your rate? Did you have to buy points?

Thanks
Depends on the area and each lender
every person's situation is different and your income, debt levels and credit mark will determine the rates you will be offered - there is no one broad rule for everyone
"> A secure bet for a 30-yr fixed rate mortgage (conventional, FHA, or VA) would be 5.5%. Companies out there are advertising rates around 5% or smaller number, but the great majority of people who do not want gimmicks or buy downs are getting 5.5%.

I hope this help! Source(s): Mortgage Loan Officer
www.benchmark-mtg.net

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