Wow, the DOW is down almost 400 points as I write.  Also, the unemployment rate came in higher than anticipated-the largest increase in 22 years!  Will these factors impact mortgage rates for the better?  I have to say that I am hoping they do as I'm sure you are, too.  It really is awful that, we as loan officers, get excited at the expense of others.  It's not direct though-it's not like we're wishing the stock market would take a dive or for Tom, Dick, Harry and Sue to get fired.  It's just basically a numbers game.  If rates decrease we can lock loans and make our borrowers happier and hopefully, our pool of buyers will increase, too.