My husband and partner is an amazing Sr. Loan Broker with America One and would be happy to notify you when you will see Interest Rates hit 4.5%. He is located in Seattle, on Lake Union so very close to you -- Kevin Bagley 206-915-3766 Kevin@TheKevLin.com.
I may be biased, however he is awesome. I have him help my buyers as well, who are always very pleased.. He is your broker for life and answeres questions for clients whether he is doing a loan or not.