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I am a regular participant in the Bankrate.com Mortgage Rate Trend survey and this week's survey is now available.

As a reminder:

1. The survey is for conforming loans only.
2. I welcome emails from readers about purchase or refinance plans.
3. I twitter market updates a few times daily.  Follow me, if you want.

Anyway, on to the group's predictions for the next 30 days:

• 15% of participants predict rates will increase
• 70% of participants predict rates will decrease
• 15% of participants predict rates will remain unchanged

I am predicting that rates will decrease over the next 30 days, but that doesn't mean you should necessarily follow my advice when choosing whether to lock a rate, or float it.  My advice may not be appropriate for your individual situation.

From the Bankrate.com survey:

"The U.S. government -- on purpose or not -- upgraded mortgage bonds to Treasury Class.  Mortgage rates fall."

However!  No matter what the government does to prop up Fannie Mae and Freddie Mac, inflation remains as worrisome to mortgage markets as Captain Hammer is to Dr. Horrible.  Extra-hot inflation figures have pushed mortgage rates up by 0.250 percent since Tuesday.

I've been using Twitter to communicate the mid-day market shifts to clients and there's been a lot of them.  It's simple to set up and completely non-intrusive.  You're welcome to follow me if you'd like the updates, too.

Dan Green is an active loan officer. Email or call 513-443-2020. Dan is on Twitter at @mortgagereports.