Mortgage rates are low as of this writing, really low, but can they go lower? Lower rates would be great for borrowers and yes, that could happen.

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Wondering why low mortgage rates haven’t goosed the housing market? Here’s the answer – American household income fell in May, even with the unemployment rate at the lowest level in almost 50 years. Median household income fell 0.6% from the prior month to $63,799, according to a report.