I live in So. Cal. and just refi'ed into a 15 year 2.875% fixed. I paid a $385 appraisal fee only.
I remember in the late 70's when my mother told me her house was at 4.25%. My Dad bought it on the GI bill. That seemed like absolute rock bottom at the time. Jimmy was president, 30 year fixed rate at 20.5%.
Support a local animal shelter or rescue operation.
They need us.