This is good news for those on ARMS. Now is the time to refinance. Rates may go lower but I doubt they will go much lower. Maybe another .25%. I'm not quite sure why people are waiting so long. So if you are reading this blog and you are on an ARM then get busy on the paperwork.
The mixed news however is that home values dropped in 2007 for the first time since they started looking at statistics in 1968. To read the full article click the link below.
http://biz.yahoo.com/ap/080124/economy.html?&.pf=real-estate
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