are rates going to go lower for a refinance in sf.

Are you crazy?? Hell no.. Rates are the best they've been in years, and it's highly unlikely there will be any significant drop. The propensity of rates going up is far greater than rates going down, and when adjustment swings do happen, as rates go down, they go down very slowly, but when rates deteriorate, they do It very quickly.. Apply now, and lock in as soon as your lender will allow.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com

HI - its unlikely. At the end of 2013, mortgage experts expected rates to shoot up early in the New Year. Fortunately, that didn't happen, and rates actually dropped, almost reaching the lows of last year. BUT, now we're starting to hear concerns again that rates will be going up. The Federal Reserve just announced yesterday that they were cutting back on their purchases of bonds, and that usually means lenders will start raising rates soon. SO, if you see a rate you like TODAY, I wouldn't wait any longer - time to refinance. Call me for help - I'm also in the Bay Area - Marty Stern, 707-364-4115, HomeStreet Bank.

Rates are slowly going up---act now.