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        <Summary>Mortage Loan Rates are down an additional .125% point.</Summary>
        <Description>&lt;p align="center"&gt;&lt;strong&gt;&lt;em&gt;&lt;u&gt;Home Loan Rates Lowest in Two Years Today&lt;/u&gt;&lt;/em&gt;&lt;/strong&gt;&lt;/p&gt;&lt;p align="left"&gt;As we all know, mortgage interest rates change on a daily and intra-day basis.&amp;nbsp; With so much volatility, it is often difficult to make the right decision regarding floating or locking.&amp;nbsp; What is important to remember is the fact that there is a difference between gambling and taking a calculated risk when making mortgage interest rate decisions.&amp;nbsp; Floating into an economic release such as the employment report (Friday, Dec 7 very important release) is usually a gamble.&amp;nbsp; In addition, floating over a span of more than a few days is also a gamble.&amp;nbsp; Unforeseen events can cause instability in the financial markets that results in mortgage interest rate gyrations. On the contrary, floating on a day of positive market movement with no economic data the following day, while such actions is still vulnerable to market movements, can be considered a calculated risk.&lt;/p&gt;&lt;p align="left"&gt;The potential for mortgage interest rates to push lower is real considering the tremendous uncertainty of the US economy.&amp;nbsp; However, interest rates could also rise.&amp;nbsp; Energy prices remain high and inflationary fears are abundant.&amp;nbsp; Inflation, real or perceived, can&amp;nbsp;erode the value of bonds causing prices to fall and rates to rise.&lt;/p&gt;&lt;p align="left"&gt;It is important to remember that interest rates tend to improve slowly while negative movements tend to happen fast and furiously.&amp;nbsp; Capitalizing on interest rates at the current levels protects against uncertainty surrounding future interest rate developments.&amp;nbsp; The important thing to remember is that mortgage interest rates remain historically favorable.&amp;nbsp;&lt;/p&gt;</Description>
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