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Ten-year T-note yield is below 3.75%.

What was the lowest yield last year?


Might be the right time to lock in rates at double bottom.



Once yield gets to those low levels it won't stay there long enough to last through an entire refi process. Remember the shenanigans mortgage borkers were pulling off the last time it went that low. After the bounce they dishonored already agreed upon rates, locked doors and stopped answering the phone.


The initializing of the refi process should be given at least a couple of weeks headway, with a stipulation with your borker that you want the final rate at the end of the process...right when you sign the final papers.


I still see nothing on my charts that signal a bounce in rates yet though. Nothing but clear skies for lower rates....as absurd as that sounds.


The trend is your friend.

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