If the economy remains strong, rates should move higher on their own.

This is the first time 30-year rates have moved below 8 percent in almost 20 years.

Published rates have not moved much in the last few years.

That could set the stage for a fall when interest rates move higher.

With help from the Fed all through 2001, rates moved even lower for a time.

But some analysts question whether long rates will indeed move lower.

Many analysts expect that rates will not move much higher soon.

The current rate is usually some kind of smoothed average and will move over time.

This is another reason many analysts feel that rates can move lower.

That way, it would be protected no matter how interest rates moved.