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[snakeman84]

ot- rate freeze. If the government is going to freeze subprime rates. Then it is a given that they will lower the prime rate many more times in the future. If they don't they are going to piss off a lot of prime rate mortgage customers. I for one will be not be happy in 2 years if the rate on my new home loan is higher then that of a subprime customer. My gut tells me rates are going down for 2 to 3 years and the governemnt feels the same way. I took a low rate 5 year arm and will have paid my house down by another 30% when I refinance. I might get penalized for using the low rate arm the right way! Maybe I should miss a few payments and cry to the lender. jk


Snakeman