Are you curious about what home  mortgage rates are doing these days? Well, they are on the down trend for the most part. This is in comparison to the summer highs (as you see below). Don't hold your breath though. I don't think home mortgage rates will continue to fall forever. My prediction is that rates will stabilize around the 6.125% to 6.375% for the remainder of the year. 

The chart below shows the 30 year fixed mortgage rate as well as the average points paid to obtain a home mortgage. It is a national average.