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.

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

I am predicting that rates will increase 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:

"New loan fees from Fannie and Freddie wipe out market gains. The 'middleman' fee takes its toll."

Remember: Fannie Mae and Freddie Mac stand between conforming borrowers and Wall Street so if the two firms want to generate some extra income, all they have to do is implement loan-based fees.

There have been four separate increases since December 2007.  We should expect more later this year.

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