can estate specifically landlocked be used as

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That kinda depends on what you are looking paying towards the rate. The lowest par rate (that which will not get your broker anything) is around 5.75%, you can also money discount points toward the rate to get it lower.

Odds are your broker will try to engineer a little from the lender and bump the rate up (lenders wage Loan officers for better rates) so 6.25 will give him almost 2pts and 6.00 about 1.50pts.

It depends on how you work out fees etc near your loan officer but anything higher consequently 6.25 imo, you're getting raped.

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