Well those market rates are already on the way out - well there are actually already gone. The 10 yr is at 3.29 as of this post which is a 48% pop from yesterday - If yo didn't lock your loan you are out of luck on the lowest of rates. Still worth locking if you are purchasing a home - but if you are trying to time the lowest time - you missed it. Sorrym but as I always say be prepared - submit your loan NOW and wait to lock the rate when it is at it's lowest, then order an appraisal and bam you are done....DO NOT WAIT TO SUBMIT YOUR LOAN APPLICATION. If you do, you will not be ready to lock when it is time.