It doesn’t seem like it matters whether they make rates even lower since getting those rates sound real difficult right now.
It’d be nice if there was a way to get direct loans like the banks from the fed at very low rates tied to your IRS tax record or something. That way, folks can tap it if needed (or save it even) and it is not as easy to just run away and dump it (like a home) for responsible folks who want what the banks are getting.
