There is always a chance the rate will go lower -- BUT, there is equally as good a chance the rate will increase. When I see a rate that's acceptable, I book it, then keep checking for updated rates. If they go down, all it takes is a call to the 888 number and they will honor the new rate. If it goes up, no worries - you got the better rate! Swan/Dolphin have the same cancellation policy as the Disney Resorts, so you can book now and change your mind right up until 6 days prior without losing your deposit.