I am scared of rates going up in 2010. What is your prediction on the mortgage rates. I have an adjustable that resets next year

I agree. I think it's best if you go ahead and lock in a low enough rate, you will be better off than having to worry all the way till next year!

Rate's are at an all time low. It would be very wise to lock into a fixed rate now. This depends on a couple of things. Ask your self how long are you going to be reciding in this home. Also will it save you in the long run. There's a lot to look at. If you have anymore feel free to call me @ 877-791-4868