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Ah, but suppose rates go lower? Well, they could go a bit lower, although not far more than that. There just is not room because of it that occurs. The Federal Reserve has its own rates at zero pretty much on short term borrowing. The bonds markets are already getting two and three percent returns on U.S. Treasuries, while noticing the national debt is out of control. The risk linked to that debt is going to make it unlikely that investors will buy U.S. debt in the foreseeable future. The only way to counter that disaster is for the Fed to raise rates of interest. Mortgage rates will soon follow.