Everyone is talking mortgage rates these days, and why not?  Rates are at historic lows and are creating an opportunity for low cost borrowing for new purchases and great cost savings or debt consolidation for refinancing.  Where are rates headed and is this the best time to get in?  While nobody knows the exact "best" time for anything, especially these days, it appears rates are heading up and that makes this the perfect time to get a new or refinanced mortgage.  Mainstay Mortgage is here to help, let a mortgage professional in our New York office provide you with the guidance and service you need call us today 631-792-1800