• City First Mortgage
  Vote: () () Over the next 30 days rates will remain unchanged; over the next 90 days rates will rise slightly.
  Comment by Jason Parker: MBS prices continue to hold near the top of the recent trading range and mortgage rates are near record lows. We may be near the ceiling of resistance before rates trend back up. Lock in now. For current rates or mortgage questions call: 801-990-7439
• Minnesota Best Rates .com - Metzler Team at MUI
  Vote: () () Over the next 30 days rates will remain unchanged; over the next 90 days rates will rise slightly.
  Comment by Joseph Metzler: RATES ARE GREAT, but FED IS winding down the buying of Mortgage Backed Securities and their propping up of the markets. As their buying ends, rates are sure to go up. If you were thinking of doing something, DO IT NOW before rates start climbing
• Banner County Bank
  Vote: () () Over the next 30 days rates will rise significantly; over the next 90 days rates will rise significantly.
  Comment by Raymond Denton: It's time for interest rates to skyrocket.
• Choice Finance
  Vote: () () Over the next 30 days rates will decline slightly; over the next 90 days rates will remain unchanged.
  Comment by BJ Matson: Rates pricing lower today.. LOCK if you've been floating
• Star Mortgage
  Vote: () () Over the next 30 days rates will remain unchanged; over the next 90 days rates will rise slightly.
  Comment by Lew Corcoran: Economic reports indicate that we may have hit bottom on the recession, and some companies are beginning to see improved profits. Improving economic conditions, the massive gov't debt, and fear of inflation may lead to higher rates soon.
• Mercantile Mortgage Corporation
  Vote: () () Over the next 30 days rates will decline slightly; over the next 90 days rates will rise significantly.
  Comment by Ed Fussell: Supply & demand. The gov't is issuing a huge amount of debt to pay for stimulus programs. Over supply leads to less demand, so gov't must increase interest yields to continue stimulating buyer demand. Increased yields will result in higher mtg rates
• Wells Fargo Home Mortgage
  Vote: () () Over the next 30 days rates will remain unchanged; over the next 90 days rates will remain unchanged.
  Comment by David Mordue: Unemployment filings were below expected, but the unemployment rate of 10.2% is likely to keep things stable. We have noticed rates start to increase as the government bond auctions do not seem to create confidence i the market.
• EskoKiuru.com
  Vote: () () Over the next 30 days rates will remain unchanged; over the next 90 days rates will rise slightly.
  Comment by Esko: Fot the near term mortgage rates will remain pretty much put. As the Fed eases out of buying mortgage bonds the long-term trend will predictably be upward.
• Reverse Mortgage Center of Idaho
  Vote: () () Over the next 30 days rates will decline slightly; over the next 90 days rates will decline slightly.
  Comment by Lloyd Paul: Fiscal policy and procedures, dovish Federal R. stance Int. rates have opportunity to go lower until competition for funding increases due to demand in CRE and Option Arm recasts/resets, as well as competition from Gov. debt obligations for funding $.
• Wintrust Mortgage
  Vote: () () Over the next 30 days rates will remain unchanged; over the next 90 days rates will remain unchanged.
  Comment by Monika Tkaczyk: Rates are expected to move higher in 1st quorter of 2010 as the Feds will stop investing any more money in mortgage backed securities. This will cause rates to adjust to the levels dictated by the market.
• Valley Wide Mortgage Services
  Vote: () () Over the next 30 days rates will remain unchanged; over the next 90 days rates will remain unchanged.
  Comment by Rick: Economy is not moving so rates should stay low.
• Cendera Funding
  Vote: () () Over the next 30 days rates will remain unchanged; over the next 90 days rates will decline slightly.
  Comment by Frank M. Cutruzzola: -The Home Buyer Tax Credit will keep demand steady, and interest rates unchanged. We feel we may even see a decline in rates over the next several months.
• Carolina Mortgage Authority, Inc.
  Vote: () () Over the next 30 days rates will decline slightly; over the next 90 days rates will rise slightly.
  Comment by Rob L. Ballance: With the Fed mainting the current .25% overnight lending rates, we should see a slight drop in interest rates over the short term.
• iLoan
  Vote: () () Over the next 30 days rates will remain unchanged; over the next 90 days rates will remain unchanged.
  Comment by Charles Dailey: -I think the party is over for super low rates. With the FED tapering off of it's agency debt purchases, rates should go sideways more or less for 4 months and then edge up 25-50 basis points. Lock when MTGEFNCL:IND is at or under 4.279.
• RPM Mortgage
  Vote: () () Over the next 30 days rates will decline slightly; over the next 90 days rates will remain unchanged.
  Comment by John C. Glynn: No signs of inflation anywhere, and wide profit margins from lending institutions; there's fat to be cut even if the inflation spectre pops up. I see a lid on rates for a while.
• Academy Mortgage
  Vote: () () Over the next 30 days rates will remain unchanged; over the next 90 days rates will rise significantly.
  Comment by Toby Lane: -Since the Fed has stopped buying MBS and the value of the dollar is falling, I think rates will rise significantly soon, unless the Fed steps back in. This will take some time, so I think in the short term rates will remain unchanged.
• Edgewater Home Loans
  Vote: () () Over the next 30 days rates will decline slightly; over the next 90 days rates will decline slightly.
  Comment by Brad Christensen: Please call my 24 HOTLINE for more information, 612.240.9922 Brad C

• Five Star Mortgage Vote: () () Over the next 30 days rates will remain unchanged; over the next 90 days rates will rise slightly.
• Inlanta Mortgage Vote: () () Over the next 30 days rates will remain unchanged; over the next 90 days rates will decline slightly.
• Trump Financial Vote: () () Over the next 30 days rates will rise slightly; over the next 90 days rates will rise significantly.
• Go To Loan Guru Vote: () () Over the next 30 days rates will remain unchanged; over the next 90 days rates will decline slightly.
• Asset Center Inc. Vote: () () Over the next 30 days rates will remain unchanged; over the next 90 days rates will rise slightly.
• Home Equity Mortgage, LLC Vote: () () Over the next 30 days rates will rise slightly; over the next 90 days rates will rise slightly.
• Metro Mortgage Company Vote: () () Over the next 30 days rates will decline slightly; over the next 90 days rates will rise slightly.
• Atlantic Coast Mortgage Vote: () () Over the next 30 days rates will rise slightly; over the next 90 days rates will rise slightly.

• MetLife Home Loans
  Vote: () () Over the next 30 days rates will rise slightly; over the next 90 days rates will rise slightly.
• Home & Loan Center
  Vote: () () Over the next 30 days rates will remain unchanged; over the next 90 days rates will rise slightly.
• Primary Residential Mortgage, Inc
  Vote: () () Over the next 30 days rates will decline slightly; over the next 90 days rates will remain unchanged.
• Direct Access Lending NV-Broker # 405
  Vote: () () Over the next 30 days rates will decline slightly; over the next 90 days rates will decline slightly.
• TMG Mortgage Group, Ltd
  Vote: () () Over the next 30 days rates will rise slightly; over the next 90 days rates will rise slightly.
• Accrued Capital Inc
  Vote: () () Over the next 30 days rates will rise slightly; over the next 90 days rates will rise slightly.
• Hometown Lending
  Vote: () () Over the next 30 days rates will remain unchanged; over the next 90 days rates will remain unchanged.
• First Choice Bank
  Vote: () () Over the next 30 days rates will decline slightly; over the next 90 days rates will remain unchanged.