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To: xcr600 who wrote (9458)	8/21/2001 7:03:19 PM
From: Bucky Katt	Respond to of 13094

I doubt they will drop much, there needs to be a 3-4% spread over the bank borrow rate for a mortgage to make sense, otherwise why right it? The 15 & 30 year mortgages are tied to lt bonds, whereas the FED is lowering overnite short term rates. Another problem is more & more consumers have crudy credit reports, and I think the same is true of businesses that are in need of funds, so that is another set of problems.

To: xcr600 who wrote (9458)	8/21/2001 8:12:05 PM
From: Ken Reidy	Read Replies (1) \| Respond to of 13094

There is a discussion of Mortgage Interest Rates at this site that I read daily to help me decide when to lock my rate in: monstermoving.com