I just heard from a colleague in the mortgage business about a great incentive that Sovereign Bank is doing. If you open a Sovereign checking account (from which you pay your mortgage), they will deduct an extra .25% from already historically low rates. On a 30 year fixed conforming loan, they're offering a rate of 4.5%, reduced further to 4.25% with the incentive (and 0 points). On a 30 year fixed jumbo, the rate is 5%, or 4.75% with the incentive.
Rob Kinasewich is a terrific guy and has been in the business many years. If you're interested in learning more, his number is 781-910-9547 and email is firstname.lastname@example.org.