Opinon on Mortgage rates (refi)

[JohnDoe]

It looks like it's time to keep an eye on rates. Where do you see them headed from here?

Penfed has a 15 yr @ 5.00 with .375 points

 

[ziggy29]

Personally, if I could afford the payments with the current rate, I'd lock it in now, knowing I could always refi later if they drop.

I don't know which way rates are headed but I'd rather lock in an affordable rate than take a chance with higher rates locking me out of the home I could have afforded with lower rates.