If you're looking for a home, the best time to apply for financing is now, now, or now. After reaching record lows last week, mortgage rates dropped a hair lower, making it an optimum time to apply for new loan. The average rate for a 30-year fixed-rate loan fell to 4.57 percent this week, as compared to 4.58 percent last week. Rates haven't been this low since the 1950s. Meanwhile, home sales remain down -- but then again, so do prices.More on AOL Real Estate:
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