I locked in a 3.625% rate on January 5th. I bought new construction in August 2013. Due to our condo not being done earlier in 2013 I thought I had missed out on a rate in the 3's forever. I have been getting refinance offers steadily in the mail for the past 6 months. I finally decide to pull the triiger on one of the offers. I am doing a 100% VA cash out refi for 275K. Current loan amount is 238k. Just have to get through the appraisal and I put 32K cash in my pocket for an additional $45 a month! Just thought I would share the good news with the board!
Starting Score:TransUnion: 698 (12 FEB 2010), Equifax: 674 (12 FEB 2010)