I have been seeing all these ads from mortgage marketing bots, or mortgage company employees that just copy and paste; hysterical about the market sell off, (which has already started gaining again) going nuts about "falling rates". Here's what is really going to happen:

Regarding interest rates; they are like gas prices. Quick to go up, very slow to come down. I expect a less than a tenth of a percent dip in treasuries and that might translate into maybe a .125 dip, but it will recover quickly.

Today would be good to lock, but by next week it will be as if it never happened.