Down to 4.49%.  

Rates Down Again
Government-controlled mortgage buyer Freddie Mac says the average rate for 30-year fixed loans this week was 4.49 percent, down from 4.54 percent last week. That’s the lowest since Freddie Mac began tracking rates in 1971.

As a reminder, in Somerset, Morris and Hunterdon Counties, conforming FHA government-backed mortgages for single-family homes are available up to $729,750.

The time might be right. Honey, where’s our refinance paperwork?