Mortgage rates dip lower, descending to the lowest levels over the past 6-week lows. Lenders are responding by adjusting rates as low as 4.375% for a number of products. Is this a good time to buy a home, adjust mortgage rates or refinance? Loan consultants say low rates should at least trigger interest in examining ones options. Consumers are looking closely at loan products offered at this time as loan activity is expected to rise today.