The national average on a 30-year fixed-rate mortgage dropped to 4.36 percent in August 2010 - lower than it's been in the past half century.  Interest rates for the same time last year averaged 5.19 percent, representing a difference of $90 in the monthly payment on a $200,000 home with 10 percent down, as well as a savings of $32,460 over the life of the loan.  For more reasons why now is prime time to buy a home, contact me and I'll send you a free ebook.