The US rate for 30-yr fixed mortgages fell to 4.01% this week,a record low.

A current home buyer could save tens of thousands, if not hundreds of thousands, of dollars in interest over 30 yrs compared to when rates were 7% or 8%, but almost no one who may buy a house really cares.

The Bid Q: What better incentive to buy a home could there be than the financial advantage of a 45 mortgage rate offers?

The benefits should offset any drop in home value if real estate continues to sell off over the next year or 2. At some point, home prices should rebound so that the value of a house doubles over a 30 yr period. It has worked that way since the 1950′s.

The Big A: The US home market is in such bad shape, and it is likely to be so for many years to come. Many potential buyers are on the sidelines and will likely stay there even if mortgage rates were at Zero.

The most recent home sales, housing starts, housing permits and foreclosure data indicate that the depression in sales could continue for many years. This is particularly true in markets where values have dropped 50% or more and where inventory could take years to clear at present sales rates.

The other major problem with the home market is this; 9% of American people are out of work, and many more employed persons fear for their jobs. Those things take millions of potential buyers out of the markets.

Prices and mortgage rates should be aligned to restart the home market, and since it has not happened is a sign that buyers may not enter the market in force any time soon, and surely not until circumstances significantly change.

Paul A. Ebeling, Jnr.

Paul A. Ebeling, Jnr

Paul A. Ebeling, Jnr. writes and publishes The Red Roadmaster’s Technical Report on the US Major Market Indices, a weekly, highly-regarded financial market letter, read by opinion makers, business leaders and organizations around the world.

Paul A. Ebeling, Jnr has studied the global financial and stock markets since 1984, following a successful business career that included investment banking, and market and business analysis. He is a specialist in equities/commodities, and an accomplished chart reader who advises technicians with regard to Major Indices Resistance/Support Levels.

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Posted by Shayne Heffernan on Oct 1st, 2011and filed underCentral Banks, Interest Rates, Latest News, Loan Center, Real Estate.You can follow any responses to this entry through theRSS 2.0Responses are currently closed, but you can trackback from your own site.