Should You Be Less Rate Sensitive?

You certainly should be.  Many advertise rates that don’t exist just to get their phones to ring.  I think CNBC’s article below hits it right on the nose:

“Buyers today need to be less rate sensitive and more loan sensitive,” she argues. They should review their financial situation, and apply to lenders that are going to give them the loan, not just the ones advertising the lowest rates. Getting rejected wastes time and money.