Ronald E. Kelly

Ronald E. KellyVice-President, Branch Manager

"Trying to predict the rates is near impossible," said Ron Kelly, vice president of First Federal Bank."As long as the Fed feels the economy is progressing along at a steady pace, they'll probably try to maintain rates at this level."

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Rates have come down so much that Kelly is seeing some customers who refinanced their mortgage eight months ago return to get a lower rate.

"They are finding it worthwhile to refinance again," Kelly said.

On the Web: Illinois Association of Realtors, www.illinoisrealtor.org; Quincy Association of Realtors, www.quincyrealtors.com

Ron Kelly , vice president at First Federal Bank , said the bank was open as normal Tuesday.

Our prayers and thoughts go out to those affected by the tragedies , he said.

The financial markets reacted quickly to the attacks , and trading was shut down.U.S. markets were closed today.