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WASHINGTON  The average U.S. rate on the 30-year mortgage fell closer 
this week to its historic low and the 15-year rate marked a 
record low. Low rates are increasing the affordability of buying homes and 
refinancing.Mortgage buyer Freddie Mac said Thursday the average rate for 
the 30-year fixed loan slipped to 3.40 percent from 3.41 percent last 
week. That's near the 3.31 percent rate reached in November, which was 
the lowest on records dating back to 1971.The average rate on the 
15-year fixed mortgage fell to 2.61 percent from 2.64 percent last week. 
That's below the previous record low of 2.63 percent in November, the 
lowest since the 1990s.Low mortgage rates are helping drive a housing recovery 
that began last year. Home prices are rising. Sales of new and 
previously occupied homes are up this year. Builders broke ground on homes 
in March at the fastest annual pace in nearly five years.Sales of 
new homes rebounded last month to a seasonally adjusted annual rate of 
417,000, the government reported Tuesday. The increase added to evidence 
of a sustained housing recovery at the start of the spring buying 
season.New-home sales are still below the 700,000 pace considered healthy 
by most economists. But the pace has increased 18.5 percent from a 
year ago. Most economists see more gains ahead, as housing is likely 
to remain a consistent driver of economic growth this year.Mortgage rates 
are low because they tend to track the yield on the 10
upset when he appeared 
in a college video with the paddle. Carrillo says they were afraid 
people would assume they were gay, too. Research shows that, while people 
are more accepting of homosexuality, society, and particularly men, still 
have a more difficult time accepting gay men than lesbians. (AP Photo/Martha 
Irvine)The Associated PressADVANCE FOR USE SUNDAY, APRIL 28, 2013 AND THEREAFTER 
- United States' Megan Rapinoe celebrates her goal against Ireland in an 
international friendly soccer match in Glendale, Ariz. on Saturday, Dec. 
1, 2012. High-profile lesbian athletes have come out while still playing 
their sports, but not a single gay male athlete in major U.S. 
professional sports has done the same. (AP Photo/Paul Connors)The Associated 
PressADVANCE FOR USE SUNDAY, APRIL 28, 2013 AND THEREAFTER - In this 
circa 1997 photo provided by the family, Timothy O'Brien adjusts the Cub 
Scout uniform of his son, Ian, at their home in Santee, Calif. 
In early 2013, Ian O'Brien, 23, wrote an opinion piece tied to 
the Boy Scout debate and his own experience in the Scouts when 
he was growing up in the San Diego area. To put it 
simply: Being a boy is supposed to look one way, and you 
get punished when it doesn't, O'Brien wrote in the piece, which appeared 
in The Advocate, a national magazine for the gay, lesbian, bisexual and 
transgender communities. (AP Photo/Ian O'Brien)The Associated PressCHICAGO 
 It may be a man's world, as the saying goes,


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