Cameron FindlayChief economist, LendingTree.com, Charlotte, N.C.
Despite small improvements regionally, the foundation of a recovery has been weakened by further declines in employment prospects. This raises concerns over consumer appetite to accomplish what they're best at -- consuming and spending. With about 70 percent of GDP being consumption-driven, spending needs to pick up and the risk of deflation remains real.
Dan GreenWaterstone Mortgage, author of TheMortgageReports.com, Cincinnati
Never bet against a rally-in-process. Rates have further to fall.
Jim SahngerMortgage consultant, Palm Beach Financial Network, Stuart, Fla.
Rates can edge a little lower -- although don't get too complacent. At these levels, rates can pop higher with little reason. For anyone who missed their last window to refinance, now is the time to get back in the game.