Is this the lowest rates will go this year?

There is no one that can answer that question, the important question to ask is: Are the rates low enough now to benefit me? If yes, then act. Waiting for more is never a good thing when good enough presents itself. You may just miss it entirely.

Technical signals suggest that in the near term, yes, they probably aren't getting much, if any, better; longer term, though, nobody can really answer that question, as you've already heard. Frankly, I believe everybody is surprised they are this low and have been for this long. The best advice is to not try to time the bottom of the market, because you'll probably miss it. If it makes sense for you, especially with rates this low, then you should just take what you can get and be happy you got it.

There is no correct answer for that question, Rate change on a daily basis. If it benefits you to refi or purchase at this time then today is the right time. If not and you have time then I would wait and see if rates drop any lower.