<prompt> Human: Im not sure how great the speculation is involved in this is but I needed to ask this question. We had an offer accepted on a house last week. Im shopping around for mortgage rates and I was just thinking about the Brexit vote tomorrow. The mortgage agent actually mentioned it. My thought was that if Britain exits the union, rates might drop even lower. Ive even heard we could see negative interest rates. If they stay, they will probably stay the same. I was told that I could lock in at 3.5 today for 60 days. Would you guys lock in today or gamble on Brexit, or will it even make a difference. Ive been reading so much on it so Im not sure. Please let me know your opinions ASAP, I would need to lock in before the markets close today at 5:00pm ET.  <response>: Ive even heard we could see negative interest ratesA Home loans wont go negativeB If your offer is already accepted, you wont see a massive decrease in rates overnight. Id be surprised to see a 30 year loan drop that much lower even if the Brexit vote happens. 