@alabamamortgageguy: Mortgage rates just dropped — and the reason has nothing to do with the Fed. I’m breaking down the one number you should actually be watching so you’re never caught off guard when rates move. Simple enough to explain to a friend, useful enough to actually change how you think about timing your home purchase. #mortgagerates #howtobuyahome #mortgagetips #firsttimehomebuyer #realestate