Funny how the mortgage business seems to have a way with messing up my biking plans...Rates dropped significantly yesterday afternoon after an extended period of higher rates. If you sat on the sidelines the last two times, please don't do it again...Rates are under 5% fixed on all terms. These are at or near historic lows. If you are the person sitting around going "I do everything right...Where's my bailout?!?" This is it. We wouldn't see rates like these if there wasn't an economic crisis. Take advantage. Refi your house and get a couple grand cash out to buy a new bike in the process! I will also give any FORC member (or referral) a friendly FORC discount on closing costs. Call me at 309-732-5001. I am still hoping to go for a ride this afternoon but you never know. I'll keep you posted, AG.

Ryan