Today is one of those days with no economic reports that have a measurable impact on the markets.

Stocks are down moderately this morning on holiday sales skepticism.  The FNMA 30 yr fixed MBS 6.0% coupon is bid at 101.04 right now, meaning we haven't seen enough change since Friday afternoon to cause a change in mortgage rates this morning.

Rates and Lock recommendations are unchanged.

Tomorrow morning brings a report that's important to our market in two ways: the housing starts report.  Although important is usually doesn't devastate rates.  However, if it is significantly higher than expected, rates could continue moving up tomorrow.