Locked into rate today - glad to have that decision behind me. Thanks to Gina, sgt rich and tammigirl for their input - it was kind of nerve wracking to make that decision in advance but I knew I'd be happy with anything under 4%.
We locked in at 3.875% for 30 yr conventional. Could've bought down for 3.75%, but it would've taken 10 yrs for the decrease in monthly payments to cover increase in the closing costs. I'm a CPA in real estate - so numbers games like that are fun for me (ha, i know that is sad).
Brick was started today, insulation tomorrow. Drywall next week after Christmas. Here are some pics
From the weekend before the predrywall meeting: