So..I believe a month ago we locked in a rate 3.75% with Navy Federal. I've googling mortgage rates fairly regularly since then and Navy Federal has a thing where you can relock within 60 days of your initial lock. I went ahead and relocked at 3.625% today which I am pretty happy about. The most benefit you can get from the relock is .25% so I basically got 1/2 of the benefit but I am just happy that I was about to get a lower rate.

I know it could continue going down but I'm not a super gambler and been a lot of people refinancing and thought that might make the rate stabilize but I am kind of clueless about how the rates work.

I feel good about it what do you guys think?