I know! I know! When the Federal Reserve finally raised interest rates, mortgage rates were supposed to follow. But they've actually gone down for the last four weeks in a row, and are under 4%. How is that possible, you say! Well, blame it on the stock market woes. When stocks tumble, as they certainly have, investors rush to the safety of federal bonds, which of course, lowers the yield. So it's still a great time to finance or refinance your home. Go figure.