I'm watching mortgage rates. The Mortgage Bankers Association reported Wednesday that mortgage refinancing activity shot up Thanksgiving week, as interest rates fell. Then bond guru Bill Gross of Pimco went on CNBC and predicted that rates on 30-year mortgages would fall to 4.5 percent as the economy recovers, down from 5.97 percent now. Today, Freddie Mac will tell us what happened to rates in this past week. And that may send even more people off to their lenders to refinance. Might be a good idea for struggling homeowners.