Hi, I saw a post of yours asking for the interest rate in California. Please pardon my blunt guess of your possible refinance request. If you are still seeking the right deal, I might be able to help. Looks like you might have a high-balance loan (417K to 625K), and your LTV is less than 70%. Right now I may offer you 5.25% for 15-year fixed. However, I don't just want to give you a number. If I may, I can understand your situation and help you find the best rate. If you are interested, or your friends are, please contact me at firstname.lastname@example.org. Thanks and have a nice day.