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<p style="font-size:xx-small;"><!--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
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