Federal Home Loan Mortgage Corporation chief economist Frank Nothaft has noted that 30-year fixed rate mortgages dropped below 4% in mid-October, their lowest since 2013. They remain at 3.99% as of November 21, signaling a strengthened purchase mortgage market. Closing Attorney Rick Dunn forwards the following link: http://realtormag.realtor.org/daily-news/2014/11/21/spread-word-mortgage-rates-below-4 for further information.