3.75% 30 year fixed.
3.25% 15 year fixed.

These rates are out there, and if you have good credit and a steady job, I'd jump on that.

I am not a residential lender, don't want any business from folks here on that, just letting you folks know. Please use a community bank, credit union, or a reputable mortgage broker. Don't go to one of the majors on this.