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To answer the first question: Yes, Rates have dropped from the high 6’s and low 7’s from October and November.
Right now we have made on a regular day by day in the low 5’s and if you catch it at exact right moment last week the high 4’s. 
 One thing is still very clear - everything determines if you are able to qualify for these rates.  The ideal situation is a 720 plus credit score with over 20% equity in your house.  So what if you have middle scores in the mid-600’s and like most people very little equity.  Well that is where FHA comes in - a perfect FHA Loan qualifies with as low as 3% equity and over 620 middle credit score.
If you already have an FHA loan we can do a loan where we don’t look at the credit scores or do any verification’s of employment (very little documentation).
 If you have questions about these loans please feel free to give me a call or post a comment. 

Happy Holidays and a Prosperous New Year!!!