Is it better to shop for mortgages at any particular time of year?
Answers | 2
When you're buying a home, your contract deadlines constrain your timing so you're a bit more at the mercy of the market.
In either case, your lender's job is to watch the economic news and make their best guess as to rate movement / timing. That said, they're not market makers and there is a long list of things that move rates, including irrational market sentiment.