Freddie Mac, the government-run mortgage agency that surveys the market each week, announced that mortgage rates fell again this week…continuing to set record lows. 

The average price of a 30-year mortgage dropped to 4.42% from 4.44%.  This time last year, the mortgage rate was 5.12%, which was low at the time.

Amazingly, you can get a 15-year fixed-rate loan for under 4% — 3.90% this week, which is down from last week’s rate of 3.92%. This time last year, the same loan cost 4.56%.