Haven't we all been told that interest rates would rise this year? And didn't interest rates tease us a little bit by rising in the late winter? But now they're down again. Buyer clients of mine got an FHA loan for 4.75% with no points on Monday. And jumbo conforming loans -- up to $729k -- can be had at 4.85%. And jumbo-jumbos at 5.5% (with 25% down). Thanks, for once, banks. You're just full of surprises, and this one is delightful for a change.