December 11, 2011 2:45 PM

Hi--Thanks for the Great Advice your show gives to All of us!!
Question--My husband and I are selling our home in Brooklyn, NY and buying a home in E. Stroudsberg Pa.. We would like to use our lock-in right with the mortgage company. We know mortgage rates are linked to T-Bills and their rate. If I am right--T-Bills up--mortgage rate goes down. We have a spread of %3.25--4.75. How do we know when the time is right to lock-in a lower rate than the one we have now @ quoted %4.25. Thanking you ahead for your advice.