Gambling on Interest Rates?

Interest rate info from one of my lenders....but the rates are jumping around say two of my lenders. Waiting to buy a home depends on how much of a gambler you are say all of my lenders & me!!!

• 30-year fixed conventional 1st Mortgage with 25% down - 4.000% (4.048 APR). Loan amounts up to $484,350.00 = $2312.36
• 15-year fixed conventional 1st Mortgage with 25% - 3.500% (3.586 APR). Loan amounts up to $484,350.00 = $3462.53
• 5/1 ARM 1st Mortgage -  25% down - Fixed for 5 years and then becomes variable - 3.250% - (3.2605 APR) Loan amounts up to $3,000,000.00 = $13,056.19
• 7/1 ARM 1st Mortgage - 25% Fixed for 7 years and then becomes variable - 3.375% - (3.385 APR) Loan amounts up to $3,000,000.00 = $13,262.89
• 10/1 ARM 1st Mortgage - 25% Fixed for 10 years and then becomes variable - 3.500% - (3.510 APR) Loan amounts up to $3,000.,000.00 = $13,471.34
• 30-year fixed 1st Mortgage FHA loan 3.50% down - 3.625% (5.040 APR). Loan amounts up to $484,350.00 = $2247.54 + $349.08 PMI = $2596.62
• 30-year fixed 1st Mortgage VA loan 0% - 3.750% (3.798 APR). Loan amounts up to $484,350.00 = $2243.10
• 30 Year Fixed rate 1st Mortgage Jumbo Loan 25% down - 4.125% (4.136 APR).  loan amounts up to $3,000,000.00 =14,539.49

All of the above are based on a 740 credit score 

with 25% down on conventional and Jumbo Loans.