Don't Let the Sun Set on Opportunity

I just presented at a two-day banker conference filled with CFOs and CEOs from the Western 12 states. The other presenters and speakers had three consistent overwhelming forecastings: Rates will either go up or go down. We're either coming to the bottom of the recession or heading out of it. Change will happen either soon or sometime in the future. NOT MUCH HELP. My opinion is and has been: Rates cannot go lower without running the offering bank into failure. Tighter regulations are coming (many are here already). Right here, right now; this is the time. The sun is setting on the lowest rates on 30-year fixed conforming and high balance conforming loans. Summer is coming and everyone goes into vacation mode, and before you know it, you've missed the opportunity and you're in a boat with no oars going over the falls saying "oh shoot." Let's do this now. Who do you know who is a candidate for refinancing? Please refer them to me at PTRE (dot net). Pat Townsley, Yosemite Search, Rescue & Financing.