July/August closers w/30 yr fixed conventional mortgages...what's your interest rate?

[isoldmyatlas]

We're house-hunting and last week we got a preapproval through a lender that our friends used and that our agent also recommended.

We didn't lock rates since we're just starting the hunt, but he said if we were to lock that day, we would have gotten a 3.875% rate for a 30yr fixed conventional.  Honestly, I was expecting to see closer to 3.75 since that's what I'm seeing online, and our credit scores are all 760+ according to the pull he did.

So, what's your rate?  Just trying to get an idea as to whether this was a good rate or not.

[irunfromcredit]

I got a 3.75 and locked my rate early July. My mid score at the time of pre-approval (may) was 722. I think rates have been going up since June. I did see as of yesterday rates for 30 yr fixed advertised for 3.85 as lowest rate.

[Anonymous]

790 mortgage mid score. Locked in at 3.875 a couple weeks ago. Maybe could have shopped it around but really appreciate the quality of service I am getting with company I am using and locked it in.

[Anonymous]

4.125% through NFCU.

[Spider07]

I would use caution when looking at Online rates.  You have to pay attention to the details.  Those 3.75 rates may be including points and the rate you got quoted may not have been, etc.  Honestly, 3.8 rate I would lock that sucker down and never think twice about it ever again.  

[Anonymous]

When you lock in a rate are you basically tied to that lender then? Or can you still shop around with others? And if you are locked in, how long is it guaranteed for?