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If you're like a lot of U.S. homeowners, when you refinance, you'll choose a shorter-term mortgage. 30-year loans are less popular these days. And think of all the money you'll save.

Mortgage markets are made on Wall Street, Wall Street is made of people, and people carry cognitive bias. It's one reason why mortgage rates aren't likely to fall for quite some time.

I gave a television interview with Beejal Patel of First Business. The timing was excellent given the FOMC had just adjourned. In 3-and-a-half minutes, the interview covers a lot of ground. Watch it now.

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This is a test.

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