Yes its true mortgage rates are dropping because the housing market is a mess. It’s a great time to lock into a low fixed rate mortgage and save. I realize  trying to find low mortgage rates may seem challenging, but the market is now in your favor! You need to take action today and it may even make sense to take a zero cost closing loan if you have to settle for a higher interest rate?
Well a good lender would help you with the math and the good news is that almost every lender can find a way to do a zero cost refinance mortgage if you are a normal borrower. The important thing is to take action and find out if you qualify to lock into a low rate mortgage today!