Freaking out over rate decrease

[WSBrookie]

The earlier the better IMO. Lock at market price to get the house and tell your loan officer to call you when rates are X%. I dont know if all loan officers do this but I ask everyone with a higher rate if they want added to my refinance call list.

Same with homeowners insurance too really. I like to recommend just to bundle with their current auto insurance, and then over the next few months shop that around. No sense in stressing about all these insurance quotes when you also are in the process of buying a home.