I got a call from a lender with whom we do a significant amount of intersest last night at about 8:30 PM. She was calling about a client we have both been working with for several months. As we talked I learned just he gravity of the situation.....15 year and 30 year convention rates LESS than 5%! I was forwarded a link this morning from a colleague out of state to an article written by the normally pessimistic Jim Cramer of the television program "Mad Money". Cramer says it best himself: click here for a link to the article. If you need a referral to a good lender, give me a call at 783-2010 or drop me an e-mail at Bryan@BryanEpley.com . Enjoy the sun!!!