Economic woes are just beginning. As I've said, even with any Fed cuts in rates, the banks will continue to raise rates. Rates are as low as they're going to be right now, and as home prices continue to fall, this might be the best time to refinance before we go into a cold, dark economic winter. Representing the remaining lenders in the US; Let's get down to business and secure your estate. California Mortgage Advisors: One of the last wholesale brokers standing. Pat Townsley, Broker. 415-485-1776. www.ptre.net