Just thought I'd throw this out there for those who don't pay much attention to this stuff. Mortgage rates are heading back down, so if you've been thinking about purchasing a home or refinancing your current note, now is probably a good time to start shopping. Just beware of rate quotes that seem too good to be true. They usually are. You get weeks into the process and now are up against the closing deadline, then they tell you that some aspect of your life and/or finances don't fit the guidelines for that rate, but they can still offer you X+ rate instead.