[asphaltgambler]

Recent home owner this year. Current product is 30 yr fixed. I am told (and see) that 30 yr rates are dropping for conforming.

After much research, I located a product and closing costs that are very attractive and I want to do the deal. Problem is I believe that the rate will 'rachet down' again slightly in the next 30 days saving me even more. Most financial experts seem split on where this will go.

Anyone in the business here have more insight to this? I realize that we are trying to predict the future but I bet someone here may know the 30 day question!

Thanks Again all.