VIZ,
Your theories are elementary at best.
YOU aren’t going to pick the bottom of the rates.

Your assumption is that rates will respond to previous days close of the 10 YR is only half correct.

The best lenders react to rate changes INTRA day.
People like you, and there are millions, are nothing more than prey to the predators in the industry.

30 YR fixed conforming rates were down to 4.75% yesterday, for about an hour. There were 4 intra-day rate changes yesterday.
The 30 YR closed at 5.375%

Most people get screwed on their loans, either in rate or fee or both. It’s just a fact. The majority of people who think they got a great deal, really didn’t.

Yesterday around 10am were the cheapest REAL rates in about 5 years, for the time being, you missed them.