Anyone looking to purchase or refinance real estate in the Cincinnati MLS area should contact their loan officer.  Rates for mortgage loans dropped to the mid-5% area for 30-year fixed mortgages.  Media outlets were touting this as the largest single day rate decline in history earlier this afternoon.  The only thing that seems to be certain about this mortgage market is that it seems to bounce up and down day to day.  Right now would be a great time to take advantage of rates under six percent.