Rates have dipped slightly from last week. It seems that investors are watching for the end-of-week report on September non-farm payroll numbers. If reported employment figures are up, investors will feel there that a critical measurement of economic recovery has reared its head. As we go into an economic recovery period, it is most certain that rates will begin to rise.
In the meantime, take advantage of the super-low rates that are the lowest in 30 years, except for a short period in 2003 and that downward blip to 4.5% earlier in the year.