Mortgage Rates Below 5 Percent?

All the experts say long-term interest rates are going up. They're supposed to get to six percent by the end of the year, according to several predictions. But interest rates didn't rise last week. Instead they fell again–for the third week in a row.

What's going on?

The average 30-year fixed-rate mortgage sank to 4.99 percent, according to Freddie Mac's Primary Mortgage Market Survey for the week ending January 21. That's down from 5.14 percent for the week ending December 31.