Towards the end of 2015, two things happened that made some people worry about Interest rates, and potentially hold off on buying or refinancing — the change in mortgage regulations, which was predicted to slow down the process, at least in the short run; and the Fed rate hike. As I’ve written before, neither of those _should_ have impacted long term rates. And now, for the fifth straight week in a row, long-term rates are down — at the lowest they’ve been since last April.