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Record Low Mortgage Rates Not Enough To Boost Housing Market. 15-year fixed-rate mortgages averaged 3.13% last week, a new record low. And the average rate on a 30-year fixed-rate mortgage fell to 3.88%, less than 1% from the record low.The low rates are a reaction to the decreased demand of homes. Depressed prices, high rents, and low mortgages are all incentives for borrowers to purchase homes. Mortgage Financing - Variable And Adjustable Mortgage Rates. It is impossible to ignore all of the writers in...

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