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Mortgage rates are at rock bottom and won't stay there forever. The national average on 30-year fixed-rate mortgage dropped to 4.36 percent in Aug 2010-lower than it's been in the past half century.Interest rates for the same time last year averaged 5.19 percent, representing a difference of $90 in the monthly payment on a $200,000 home with 10 perce3nt down, as well as a savings of $32,000 over the life of the loan.
