Mortgage rates are a by-product of the mortgage bond market and, like everything else on Wall Street, they are subject to speculation. In general, when the economy is expected to expand in an orderly fashion, money often chases risk Freddie Mac reports a drop in the 30-year fixed mortgage rate to 6.20% during the week ended Nov. 6 from 6.46% the previous week. Rates rose the prior week, reflecting volatility as a result of the credit crisis Mortgagr bankbank.com Predicting Mortgagr Ratr Volatiliti Using Thr VIX Home