This week (March 15 - March 21, 2001) the experts say:
DON'T LOCK, rates will either fall or stay put.

COMMENTS:
"Rates should begin to decline slightly over the next few weeks. Greenspan will probably reduce the discount rate."
-- Richard McCrary, Hammond Crossing Mortgage, Dunwoody, Ga.
RATE VOTE: Down

"Worldwide economic concerns will require sustained rate declines to stimulate the U.S. economy."
-- Neil Cribb, Mortgage Financial Network, Safety Harbor, Fla.
RATE VOTE: Down

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About the Bankrate.com Rate Trend Index
Bankrate.com surveys more than 100 experts in the banking and mortgage fields to see if they believe certificate of deposit and mortgage rates will rise, fall or remain relatively unchanged. For the deposit index, the panel is comprised of banks, thrifts and credit unions that directly offer FDIC-insured certificates of deposit to the end consumer. For the mortgage index, the panel is comprised of mortgage bankers, mortgage brokers and other industry experts who are actively engaged in providing residential first mortgages to the end consumer. Results from Bankrate.com's CD Rate Trend Index will be released each Wednesday. Results from Bankrate.com's Mortgage Rate Trend Index will be released each Thursday.