MBS and the Treasury are in interesting times, see the attached graphs. MBS are approaching their best levels in the last 2 years and Treasuries are approaching their best levels in many decades. It is very interesting because there is usually a sharp reversal every time these levels are approached and a move higher, so you should jump on the refi opportunities. This could be the time they are pierced and moved lower though, not betting on it, just saying could be. The BrExit is the wild card here. Either way there a lot of people to help now and many who purchased recently who are in a position to take advantage of these rates too!