Not sure depends on our new president, in any case if you are planning on buying or refinance the rates are pretty low now so you have to ask yourself do you think they will go down a whole point anytime soon? Usually, our mortgage person would say if it's down a point then it's worth it to refinance but.... If wanted to refinance or buy I think I would start the process now. If you think they are going down more which they could you do not have to lock into the rate right away. In any case I don't think they will go up or down a whole point so I wouldn't wait.