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Perhaps, Lew Ranieri's recent prediction that the yield on the 10-year Treasury could hit 2.5% this year will actually come true. Predicting where rates are headed is a tough game — but fun. But one thing seems certain at this time: as long as inflation doesn’t flare up (except for maybe oil prices) rates, mortgage rates in particular, aren't headed anywhere, which should be good news for homebuyers except that they're scared about losing their jobs or finding a new one. Several housing economists anticipate a further decline in home prices this year which should prompt us all to ask this question: what if rates rise? Does that mean prices will fall even more given the mental state of nervous consumers?