I'm building a house and will be looking for a loan when it completes in the Nov/Dec timeframe. A lender has mentioned that rates spike during the peak season (now and the summer) when most of the buying and selling happens. Anyone agree with this? I know rates can change, but anyone think rates will be better toward the end of the year. I'm looking at 30yr fixed loans.

Rates do follow trends but the feds really control the whole market by controlling prime. If you could predict the market please write back because I'll have some questions for you.