10/07/2009 Rates are lower! But may start moving lower, Call for special quotes...many new loan programs available. Rates are going down,we expect them to go a bit lower in the near future ...make your application ahead of time to get locked into to the best terms possible...you are dealing with the best market savy people in the industry!! Note FED wants lower rates in order to stimulate the sick housing market. Beware of cheap dollars being created by the fed. Inflation spells higher rates in the near future! Call Tom Jacobs, C.E.O. EDGE Mtg. Co. any time: 503/620-4060