With low temperatures come low rates. 30 Year fixed rates are hovering around 5.875%-6.0% No Points! The drop in rates is in anticipation of yet another fed rate reduction next week.
See the "getting pre-approved" section on the home page for Sean Hadley of Heritage Mortgage Services info. I'm sure he would be happy to discuss your options if you would like to learn more about how this all works and how it can apply to you. Just make sure you tell him that you were referred by Highrises.com!