• Pan American Mortgage
  Vote: () () Over the next 30 days rates will decline slightly; over the next 90 days rates will decline slightly.
  Comment by Juan Boldizsar: Word is that the Fed is going to be buying mortgage-backed securities in January. This purchasing activity will push up the price of mortgage bonds. Rates, as a result, should go down.
• Elite Mortgage Solutions, Inc.
  Vote: () () Over the next 30 days rates will decline slightly; over the next 90 days rates will rise slightly.
  Comment by Shannon Luscher: I'm not sure how much farther they can go! But short-term they sure look good. Could be interesting once the new president is sworn in.
• Woodfield Planning Corp.
  Vote: () () Over the next 30 days rates will decline slightly; over the next 90 days rates will decline slightly.
  Comment by Monika Tkaczyk: The potential size of the Fed’s mortgage backed securities purchase program may drive conforming mortgage rates lower, possibly solidly into the 4.5% range (compared with 5.25% which is about where they are now).
• Solid Rock Mortgage Corporation
  Vote: () () Over the next 30 days rates will remain unchanged; over the next 90 days rates will rise slightly.
  Comment by Robert D. Ashby, CMPS: For more info on my predictions, visit Florida Mortgage Daily or Lenderama
• Envision Lending Group, Inc.
  Vote: () () Over the next 30 days rates will remain unchanged; over the next 90 days rates will remain unchanged.
  Comment by Raymond Denton: Interest rates will move sideways, dipping every now and then when the stock market disbehaves.
• Summit Mortgage
  Vote: () () Over the next 30 days rates will rise slightly; over the next 90 days rates will rise slightly.
  Comment by Adam Perry: Consumer confidence will grow with the new administration causing interest rates to slowly increase.
• Personal Mortgage Brokers - Loan Officer Charles Demty
  Vote: () () Over the next 30 days rates will decline slightly; over the next 90 days rates will decline slightly.
  Comment by Charles Demty: We are anticipating rates moving toward the 4.5% area, as was indicated by Obama. This trend is already showing.
• Pier West Capital, Inc.
  Vote: () () Over the next 30 days rates will remain unchanged; over the next 90 days rates will decline significantly.
  Comment by Matt Davis: For the next 30 days, rates will remain choppy due to the bits and pieces of neutral to negative indicators. Just over 90 days out, based on solidly backed indicators, early first quarter earnings and other dismal news, rates will test and hold new histor
• Amati Financial
  Vote: () () Over the next 30 days rates will decline significantly; over the next 90 days rates will decline significantly.
  Comment by Scott Moskowitz: In percentage terms, rates have already declined nicely since November. Watch your credit & build savings, underwriting remains appropriately conservative.
• Global Mortgage Oklahoma
  Vote: () () Over the next 30 days rates will decline slightly; over the next 90 days rates will decline slightly.
  Comment by Ron Aguiar: The trend for the first quarter of 2009 will see rates decline slightly due to the increase in demand for MBS.
• Business With Greg, LLC
  Vote: () () Over the next 30 days rates will rise slightly; over the next 90 days rates will rise slightly.
  Comment by Greg Phillips: With rates being their lowest in several years and all of the changes being made to existing programs to kick off 2009 I expect most people will see an increase.
• Lifetime Lending, Inc.
  Vote: () () Over the next 30 days rates will decline slightly; over the next 90 days rates will decline significantly.
  Comment by Alan Kirth: When you consider the vast number of home owners with equity that already have fixed interest rates below 6% and adjustable rates ranging between 4% and 5.75%, rates will need to go much lower to have the effect the Federal Reserves hopes will take place.
• Lakeland Mortgage Corporation
  Vote: () () Over the next 30 days rates will decline slightly; over the next 90 days rates will remain unchanged.
  Comment by Aaron Abed: I believe as the government purchases MBS the rates will continue to move down for short periods of time, then they should rise up to a fairly constant level.
• SeniorMortgageLender.com
  Vote: () () Over the next 30 days rates will decline slightly; over the next 90 days rates will decline slightly.
  Comment by Greg Zaccagni: Poor economic news is likely to continue which could drive rates down when combinee with the Fed's plan to buy mortgage-backed securities however, foreign demand for U.S. mortgage notes is weak which will likely keep reductions in check to entice more buy
• Kastle Mortgage Corporation
  Vote: () () Over the next 30 days rates will remain unchanged; over the next 90 days rates will remain unchanged.
  Comment by Jim Brown: Significant adjustments to homeowners current loans will determine whether they will be able to continue paying their mortgage in 2009. Keeping rates low will help those people handle the adjustment. Rates will remain low on the other side of the circle f
• U S Loans Mortgage LLC
  Vote: () () Over the next 30 days rates will decline slightly; over the next 90 days rates will decline slightly.
  Comment by Fred Glick: Continued slowdown in the economy and the Treasury's buying of mortgage-backed securities will continue to drive rates down!

• Amerisave Mortgage Vote: () () Over the next 30 days rates will decline slightly; over the next 90 days rates will remain unchanged.
• Connecticut Home Mortgage Vote: () () Over the next 30 days rates will decline slightly; over the next 90 days rates will remain unchanged.
• Countryside Vote: () () Over the next 30 days rates will decline slightly; over the next 90 days rates will decline slightly.
• Direct Access Lending Vote: () () Over the next 30 days rates will rise slightly; over the next 90 days rates will decline slightly.
• Ameristar Mortgage Vote: () () Over the next 30 days rates will decline slightly; over the next 90 days rates will decline significantly.
• Waterstone Mortgage Corporation Vote: () () Over the next 30 days rates will decline significantly; over the next 90 days rates will decline slightly.
• De Anza Capital, Inc. Vote: () () Over the next 30 days rates will decline slightly; over the next 90 days rates will decline slightly.
• Abacus Financial Inc. Vote: () () Over the next 30 days rates will decline slightly; over the next 90 days rates will decline slightly.

• Choice Finance
  Vote: () () Over the next 30 days rates will remain unchanged; over the next 90 days rates will remain unchanged.
• Metzler Group at MUI
  Vote: () () Over the next 30 days rates will rise slightly; over the next 90 days rates will rise slightly.