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Looks like CNN shares our views on the mortgage markets. On January 7th, they published an article that shared a mortgage rate outlook that was remarkably similar to the one we shared on December 31st.  

http://money.cnn.com/2010/01/07/real_estate/last_chance_refinance/index.htm

While we would love to take credit for our "unique" perspective, the truth is that many economists and mortgage professionals see the same troubles on the horizon that we do. Rates will rise due to a shortage of demand for mortgage backed securities and credit qualifying will continue to get more difficult, so refinance your mortgage now or get pre-qualified quickly before you become a victim of the invisible rising mortgage rate monster!