Crunch Time is here.  In the Next 3 to 6 months you will see Most Non-Fixed Loans will adjust.

If you have a fixed or better yet have a paid off house... no problem.

If not you may want to Lock in now as rates head lower. 

Rates go up and Down all the time better to go with a low fixed rate than roll the dice.

Remember All of this advice is worth what you paid for it.