海角大神

Average U.S.聽rates聽for 30-year and 15-year fixed聽mortgages聽fell to record lows for the third straight week. The steady decline has made home-buying and refinancing more affordable than ever for those who can qualify.

惭辞谤迟驳补驳别听产耻测别谤 Freddie Mac says the聽rate聽on the 30-year loan dipped to 3.79 percent. That's down from 3.83 percent last week and the lowest since long-term聽mortgages聽began in the 1950s.

The 15-year聽mortgage, a popular option for refinancing, declined to 3.04 percent. That's down from last week's previous record of 3.05 percent.

Rates聽on the 30-year loan have been below 4 percent since early December. But so far, those cheap聽rates haven't been enough to ignite home sales.

While sales of previously occupied homes picked up in January and February, they fell again in March and remain well below healthy levels.

Low聽mortgage聽rates聽have helped boost builder confidence, which rose in May to a five-year high. And home construction has improved in the past six months, a reflection of that increase in confidence.

Builders broke ground in April at a seasonally adjusted annual pace of 717,000 homes, the government reported Wednesday. That nearly matches January's pace, the best since October 2008.

Construction rose for both single-family homes and apartments. And builders requested more permits to build single-family homes, a sign they expect more demand in the coming months.

Still, many would-be buyers can't qualify for loans or afford higher down payments required by banks. Home prices in many cities continue to fall. That has made those who can afford to buy uneasy about entering the market. And for those who are willing to brave the troubled market, many have already taken advantage of lower聽rates聽鈥斅爉ortgage聽rates聽have been below 5 percent for more than a year now.

Mortgage聽rates聽are lower because they tend to track the yield on the 10-year Treasury note. Slower U.S. job growth and uncertainty about how Europe will resolve its debt crisis have led investors to buy more Treasurys, which are considered safe investments. As demand for Treasurys increases, the yield falls.

To calculate the average聽rates, Freddie Mac surveys lenders across the country on Monday through Wednesday of each week.

The average rage does not include extra fees, known as points, which most borrowers must pay to get the lowest聽rates. One point equals 1 percent of the loan amount.

The average fee for 30-year loans was 0.7 last week, unchanged from the previous week. The fee on 15-year loans also was 0.7, the same as the previous week.

The average one-year adjustable聽rate聽was 2.78 percent last week, up from 2.73 percent the previous week. The fee on one-year adjustable聽rate聽mortgages聽was unchanged at 0.5.