Here is the interest rate chart from, and below the chart are projections of what is going to happen to interest rates in 2010 according to a number of pundits (as reported by Steve Harney):

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Predictions for Rate Changes in 2010

HSH & Associates: Rates will nudge closer to 6% than 5%
Moody’s 6 percent sounds about right
Washington Post: 6 percent by the end of 2010
Barry Habib of Mortgage Market Guide: It could be as high as 6.5%
Morgan Stanley: 7.5 percent to 8 percent