30 Year Conventional Mortgage – Lock Today? [NJ]

Hey all. So I have a conventional 30 year mortgage with a one time option to float down. I'm currently locked in at 4.125%. Today rates fell to 4.000%. I close in approx. 45 days.

https://themortgagereports.com/30151/mortgage-rates-today-july-14-plus-lock-recommendations thinks I should lock.

What do you all think? Should I exercise my float option and shave off .125%? Approx. savings per month is $20.

More real estate tips at Program Realty Wix site

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