回复：一个贷款问题请教大家：

We had lock 30year loan last week from 6.75% to 5.75%, but we didn’t staring doing any paper work yet. I was call my re finance office today ask we can get follow down option? this is he give to me answer:
When we locked the rate with the particular lender, there was no option to lower the rate. I do not believe any lenders nowadays will allow rate to flow down to the market rate. Some lenders may re-negotiate to meet the rate in the middle, but the rate move has not been big enough to trigger it. For $270,000 loan, 5.75% is a good rate for no cost. We saw 5.625% on Monday, but it is currently at 5.75% for no cost again. We are moving the rate from 6.5% to 5.75%. We cannot afford to loose this refinance in case the rate goes up quickly again (I think we will see that happen soon). You made a good decision to lock.
Please give advice! Thanks!