Anyone on the fence about buying should now get off.... The rates are still low, prices still low and tax credit about to go away in april. All this is not going to last forever. Mortgage rates held below the 5 percent threshold for the second straight week, a report said Thursday, weeks before a government program that has been keeping rates low is scheduled to expire.The average rate on a 30-year fixed rate mortgage was 4.95 percent this week, down from 4.97 percent a week earlier, mortgage finance company Freddie Mac said.Rates dropped to a record low of (0 comments)