Mortgage rates finally moved in a direction that wasn't "up" today. That said, it's debatable whether the direction would be best described as "lower" or "sideways." To those who don't check in with rates too often or who aren't excited by saving a couple hundred bucks in closing costs, rates are sideways. But for those for whom every little bit counts, the today's upfront costs would be slightly lower than yesterday's for any given interest rate quote. The upfront cost portion of a loan quote offers lenders more of a fine-tuning adjustment compared to changing actual rates, which tend to be o... (read more)