http://www.youtube.com/watch?v=TM-TVRVHJKI www.mres.com Multi Real Estate Services - Ron Henderson President/Broker of Multi Real Estate Services evaluates the present mortgage interest rate environment as of December 30, 2011. Year in review and what will effect mortgages in 2012. ... » Learn More about Mortgage Rate Update December 30 2011 Year in Review and What to Watch for in 2012