{"id":27280,"date":"2008-12-23T17:13:35","date_gmt":"2008-12-23T17:13:35","guid":{"rendered":"http:\/\/www.brownstoner.com\/?p=27280"},"modified":"2008-12-23T17:13:35","modified_gmt":"2008-12-23T17:13:35","slug":"should-we-lock","status":"publish","type":"post","link":"https:\/\/www.brownstoner.com\/forum-archive\/2008\/12\/should-we-lock\/","title":{"rendered":"should we lock in a rate?"},"content":{"rendered":"<p>We just closed on a house in November days before mortgage rates dropped. Now they are even lower. Should we lock in at 4.5 percent and refinance? or wait and see if they go lower? I know it&#8217;s all speculation but am curious if anyone understands the movement of rates better than I do and has reason to think we should wait a little longer. Thanks.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>We just closed on a house in November days before mortgage rates dropped. Now they are even lower. Should we lock in at 4.5 percent and refinance? or wait and see if they go lower? I know it&#8217;s all speculation but am curious if anyone understands the movement of rates better than I do and&#8230;<\/p>\n","protected":false},"author":9423,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"schneps_byline":"","schneps_post_style":"","schneps_post_source":"","schneps_syndicated_read_more":"","schneps_post_source_sitename":"","schneps_syndicated_thumb_html":"","schneps_syndicated_thumb_src":"","schneps_post_source_shortname":"","schneps_post_source_url":"","schneps_post_source_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[100],"tags":[],"districts":[],"class_list":["post-27280","post","type-post","status-publish","format-standard","hentry","category-mortgage"],"acf":[],"parsely":{"version":"1.1.0","canonical_url":"https:\/\/brownstoner.com\/forum-archive\/2008\/12\/should-we-lock\/","smart_links":{"inbound":0,"outbound":0},"traffic_boost_suggestions_count":0,"meta":{"@context":"https:\/\/schema.org","@type":"NewsArticle","headline":"should we lock in a rate?","url":"http:\/\/www.brownstoner.com\/forum-archive\/2008\/12\/should-we-lock\/","mainEntityOfPage":{"@type":"WebPage","@id":"http:\/\/www.brownstoner.com\/forum-archive\/2008\/12\/should-we-lock\/"},"thumbnailUrl":"","image":{"@type":"ImageObject","url":""},"articleSection":"Mortgage","author":[{"@type":"Person","name":"se"}],"creator":["se"],"publisher":{"@type":"Organization","name":"Forum Archive","logo":""},"keywords":[],"dateCreated":"2008-12-23T17:13:35Z","datePublished":"2008-12-23T17:13:35Z","dateModified":"2008-12-23T17:13:35Z"},"rendered":"<script type=\"application\/ld+json\" class=\"wp-parsely-metadata\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"NewsArticle\",\"headline\":\"should we lock in a rate?\",\"url\":\"http:\\\/\\\/www.brownstoner.com\\\/forum-archive\\\/2008\\\/12\\\/should-we-lock\\\/\",\"mainEntityOfPage\":{\"@type\":\"WebPage\",\"@id\":\"http:\\\/\\\/www.brownstoner.com\\\/forum-archive\\\/2008\\\/12\\\/should-we-lock\\\/\"},\"thumbnailUrl\":\"\",\"image\":{\"@type\":\"ImageObject\",\"url\":\"\"},\"articleSection\":\"Mortgage\",\"author\":[{\"@type\":\"Person\",\"name\":\"se\"}],\"creator\":[\"se\"],\"publisher\":{\"@type\":\"Organization\",\"name\":\"Forum Archive\",\"logo\":\"\"},\"keywords\":[],\"dateCreated\":\"2008-12-23T17:13:35Z\",\"datePublished\":\"2008-12-23T17:13:35Z\",\"dateModified\":\"2008-12-23T17:13:35Z\"}<\/script>","tracker_url":"https:\/\/cdn.parsely.com\/keys\/brownstoner.com\/p.js"},"jetpack_featured_media_url":"","print_hed":"","photo_gallery":[],"print_subhed":"","print_slug":"","syndication_thumb":"","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/www.brownstoner.com\/forum-archive\/wp-json\/wp\/v2\/posts\/27280","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.brownstoner.com\/forum-archive\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.brownstoner.com\/forum-archive\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.brownstoner.com\/forum-archive\/wp-json\/wp\/v2\/users\/9423"}],"replies":[{"embeddable":true,"href":"https:\/\/www.brownstoner.com\/forum-archive\/wp-json\/wp\/v2\/comments?post=27280"}],"version-history":[{"count":0,"href":"https:\/\/www.brownstoner.com\/forum-archive\/wp-json\/wp\/v2\/posts\/27280\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.brownstoner.com\/forum-archive\/wp-json\/wp\/v2\/media?parent=27280"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.brownstoner.com\/forum-archive\/wp-json\/wp\/v2\/categories?post=27280"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.brownstoner.com\/forum-archive\/wp-json\/wp\/v2\/tags?post=27280"},{"taxonomy":"districts","embeddable":true,"href":"https:\/\/www.brownstoner.com\/forum-archive\/wp-json\/wp\/v2\/districts?post=27280"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}