In my book, real estate gurus rank right up there with weather reports. You just can't predict them with any degree of certainty! Remember, all of the forecasts about rising mortgage rates? Yet, rates on 30-year mortgages fell for a sixth consecutive week in the first 45 days of the year.

I'll stick with my pragmatic way of doing business: I just look at the current rates and give borrowers choices they can make today.