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Falling Prices, low mortgage rates put record number of South Floridians within grasp Bank Insider Shares Housing Market Secrets Helpful information for California Mortgage Rates "rising mortgage. rates were lower, while applications to buy a home are 10 percent higher, according to the MBA data. © 2018 cbs interactive Inc.. All Rights Reserved. Report emerged Sunday after.Downloadable (with restrictions)! Recent events have led to a renewed effort to understand the nature of cyclical fluctuations in the price and quantity of new investment in housing. This paper provides a brief summary of the existing literature modelling housing and the business cycle.average 30 year mortgage rates have fallen again this week and are only 3 basis points from the all-time record low of 3.31 percent set in 2012. The lowest 30 year mortgage rate with 0.10 points in our database for a home purchase are at 3.125 percent.