Mortgage Backed Securities have rallied in the past 2 days and rates are heading back in the right direction. The little blue line that says 100.73 is the 200 day moving average, and crossing convincingly above it is solid sign, for now. The markets have had a lot of movement, but the past few days of slightly negative news have lowered rates 1/8th to 1/4th and now may be the time to lock.