We will definitely see lower, possibly negative rates for the short term. But a credit crunch is still coming regardless, drastically reducing home prices. The problem lies in that the LIBOR rates which are starting to increase which suggests that some of the money printing that has been hidden from the main economy is making it's way in. This is a further sign that despite non-stop money printing since 2009 that liquidity remains a serious concern for banks. At this same time we have no net purchasers of treasuries outside of the federal reserve itself. At some point in the mid-term the only way we will be able to absorb this debt is to quickly raise rates (at least based upon history and Alan Greenspan). To your point though, until the market breaks and everything begins to implode, the interest rates will remain near, at or below rock bottom.