are you going to miss out?

Don't get me wrong rates are still unbelievably low but - they have gone up government loans are now in the mid to upper 3's where they were upper 2's low 3's and conventional which were in the 3's are now in the 4's - it doesn't make that big a difference in payment but sooner or later it will. As I have said in early posts we are cautiously seeing improvement but its a fragile recovery.