That seems high, I am using Country Wide and locked on Friday the 14th at 6.00% 30 year fixed FHA, and our credit scores are not the best. They said that the Fed rate cut can make the mortgage rates go up, so maybe that is the case. I was a little nervous about using Country Wide to, since they were recently been backed by Bank of America I was more relaxed about it. They have been GREAT! The lady that is helping us has the patient of a saint with all our questions! (First time home buyers). If your at the point to locked maybe you should talk to your broker to see if now is the best time. Ours watched it for a week before we locked (went up to 6.55%), locked when it hit 6.00%. I think it dropped alittle more after that but it wasn't that drastic. Hope this helps!