Had a very bad morning today - got caught in the monsoon of a downpour as soon as I left my condo, and was drenched before I even got to the streetcar stop. Then, the streetcar moved at a snail's pace the entire way to work, so not only was I wet, but I was extra late!
But I quickly cheered up when BMO called to tell me their rate for the 5-year fixed mortgage is down to 3.99% Yahoo!! Even sitting there in my soggy dress, I was feeling pretty good about that news!
Having a long closing date has really paid off, because we've really been able to play the mortgage rate game... with a few weeks still remaining before closing, there is still a fraction of a chance that it could drop again!