[quote=sdrealtor]I think down to flat but dont ask a mortgage broker. The first thing they learn on page of 1 of the Mortgage Broker handbook is always to tell clients they better act now while rates are low. I have never heard a single mortgage broker ever say “I think rates are going lower so hang in there” even when it was obvious they were.

Its their version of “Buy now or be priced out forever” or “Real Estate Only goes up”.[/quote]

So true….

The thing that always comes back to for me is……When interest from savings account will earn 0.95% (or less) for a 6 month or 1 year CD, what incentive do most americans have to really save? Ah, wait…That’s the Fed’s plan, isn’t it?

sdr, I think your economic outlook has just been guaranteed for the next 1/2 decade (at a minimum)….
I really wish I had the ability to do what you are so successful at doing… Talk about job security…. 🙂