Tuesday the Fed released an offer to lend $200B to banks for home loans. This move had a historic effect on the market! It is about a week in advance of the next regular Fed meeting in which the  Fed is expected to lower the rates between 50 and 75 basis points. Crazy, because lenders all adjsted up their rates. Next weeks move by the Fed will hopefully bring them back down. Keep your seat belts on, we are nearing the BOTTOM of this market.