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When people hear the Fed is dropping the prime rate people automatically assume the Fed is lowering rates on regular 30 year fixed mortgage rates.  Well in partial that may be true but the Prime Rate affects other types of loans such as a Home Equity Line of Credit that you may have on your home as a second mortgage that you can draw against.  

 30 year fixed rates are directly affected to the 10yr T-Bill.  That is your best barometer of whether or not rates that day are going to be getting better or worse.  This only really comes into play when you will be closing on a mortgage in the next 30 days.  That is the standard time a rate is locked for.  So if you are still looking for a home to purchase and do not have a closing date scheduled then that would not be the time to watch every click on the 10 year T-Bill changing.  

Happy Holidays!