The other day, the Fed raised interest rates another quarter-point. It was the eighth such hike in the last year. In a financial quirk, however, mortgage rates remain near historic lows. Experts don’t expect this dissonance to last. Eventually, mortgage rates will go up. Thus, if you have an adjustable rate now, you need to look seriously at locking in at a low fixed rate now. This will protect your housing budget–and possibly allow you to sleep better at night.