This the 1 year treasury falling below a .25% who would want to invest in such a SECURE/SAFE investment?  With treasuries falling out of favor, it is more important now to work with a Mortgage Planner.  As mortgage planners know and understand that the mortgage backed securities come in favor and out of favor sometimes oposite of the Treasury index.  A person who has a mortgage planner watching their mortgage on a daily basis, they have the opportunity to save when the mortgage backed securities dip for those couple hours in a day.

I have over 25 million under management now with an average rate of 6.25%  During the 2003 refinance boom my clients were able to take advantage of 30 year fixed rates in the 5% and under range with zero closing costs rolled into the mortgage.

http://www.RonYarbrough.com