Been shopping for a mortgage rate? You may want to lock something down. Tomorrow morning, mortgage rates are expected to change. Unfortunately, we don't know in which direction they'll move.

If you're out shopping for a home this week, or trying to lock a mortgage rate, with Friday comes home affordability risk. Consider locking your mortgage rate today.

It's a risky time to be without a locked mortgage rate -- especially with the pending release of January's Non-Farm Payrolls report.

At 8:30 AM ET Friday, the government's Bureau of Labor Statistics will release its November Non-Farm Payrolls report. Have you been floating a mortgage rate? It may be time to lock.

Within the next 48 hours, mortgage rates may get bouncy. The Federal Open Market Committee will adjourn from a 2-day meeting and October's Non-Farm Payrolls report is due for release. Of the two market movers, it's the Non-Farm Payrolls report that may cause the most damage.

Mortgage rates are prepped to make big moves in the next 36 hours. Is it time for you to call in your rate lock?