What financial indicators are used to determine future mortgage interest rates?

I want to know if the rates are going to go down and if so prove it!What financial indicators are used to determine future mortgage interest rates?
Watch the 10 year US Treasury Bond and LIBOR rate.





Most mortgages are tied to one of these two. As bond prices change daily, so do interest rates.





Daily Treasury Yield Curve Rates


http://www.ustreas.gov/offices/domestic-鈥?/a>





LIBOR


http://www.bankrate.com/rates/interest-r鈥?/a>





What is LIBOR


http://www.investopedia.com/terms/l/libo鈥?/a>





How Do Bonds Affect Mortgage Interest Rates?


http://useconomy.about.com/od/bondsfaq/f鈥?/a>





Mortgage Rates Jump: 6 Things You Need to Know


http://www.usnews.com/blogs/the-home-fro鈥?/a>





edit:


Note the FED does NOT lend money to the Federal gov. The US gov sells US Treasuries in the public market to borrow money.





About the FED


http://www.federalreserve.gov/pf/pf.htmWhat financial indicators are used to determine future mortgage interest rates?
Based on the rates charged by the Federal Reserve Bank to the Federal Government for all the money printed and loaned to them.





The more money printed, the less value of the dollar and they increase interest in order to make up the loss in value.





If the dollar buys less today than it did yesterday, interest increases enough to to cover the difference.





It's like asking for a raise because living cost increased. If you don't get the raise, you have to live on less.





The Federal Reserve Bank doesn't do that. They have the power to get their raise.





Mortgage Interest has risen by 1% since a year ago.





I expect it to increase as government spending increases.