The mortgage market has turned completely around and is now following in the path of the US Treasury market which is losing ground based on fears that if the US were to bail out Fannie Mae and Freddie Mac the Treasury would need to issue a mountain of new debt to do that.  The Dow Jones is at approx the 11,000, down approx 200 points.  We will most likely see a 2nd updated rate sheet shortly with an adjustment higher to points for the same rate.