There was a lot of talk this entire year about mortgage rates. What a waste of breath and time. Its hard to believe that some “guru’s” earn money off this noise generation. What did we learn? We learned that rates stayed about the same for the entire year. As a reminder mortgage rates are based on bonds and the bond market not what some self proclaimed “guru” on a self made podcast rambles on about. I wouldnt hold your breath waiting for rates to significantly drop anytime soon.