Some of the best home mortgage originators from across the country answered Dan Green’s call for 2012 mortgage rate predictions, here is his post on the subject but, in a nutshell:

“Predictions for 2012 were remarkably consistent — mortgage rates stay low, housing continues its recovery, and the government adds more grease to the engine. These are ideal conditions for both buyers and sellers, and would seem to benefit would-be refinancers, too.”