lol yeah I agree....rates are dropping right now, at least where I work...just checked.....
Houses are popping up for sale like crazy in Pensacola FL....It is nuts...
My strategy:
Roy Jones, jr lives here...and if I am lucky, maybe he got an ARM and is gonna have to drop the ball on this one....
oh yeah.

like Brownsfan said..there may be an upgrade in the near future. lol
but something tells me Roy Jones, jr didn't finance under an ARM...or maybe at all.
*sigh* back to the ol' drawing board I guess.