Mortgage rates were little changed Tuesday in volatile trading. Factory Orders declined 0.2% in August, a bit more than expected. Fed Chairman Ben Bernanke testified before the Joint Economic Committee in Congress this morning, saying the Fed is prepared to take additional steps to help boost the economy. Meanwhile, two regional Federal Reserve Bank presidents and well-known inflation hawks, Jeff Lacker and Richard Fisher, expressed concern that additional Fed easing could lead to inflation and cause more harm than good. Stocks moved lower. No other key data will be released today.