I predicted it would go lower.

any lower than 3/4 would put the prime rate at 0, so doubt that's going to happen

crazy times call for crazy measures.

Navy Federal Credit Union. If you've got any family members in the military you should be able to join.

any??? do cousin's qualify? My cousin's in the Navy

not sure, you may have to get him to join. We got 5.5% at end of Oct and will refi again if it drops to 4.5 or maybe even 4.75.

Sounds like heaven.