<prompt> Human: We dont have a ton in savings but we do have 20k in assets that could be liquidated for a down payment.. would I be better off leaving my 401k alone or use it to get a great rate on a mortgage??  <response>: No.Mortgage rates dont usually change very much or very quickly.You want to buy a house because you are ready to buy a house, not because you are trying to predict interest rates. Everybody was sure they would go up in 2013, but then they went down in 2014. Go figure. 