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Published January 12, 2012, 05:11 PM

Rate on 30-year mortgage drops to record 3.89 percent

High unemployment, scant wage gains have made it harder to qualify
WASHINGTON — Fixed mortgage rates fell once again to a record low, offering a great opportunity for those who can afford to buy or refinance homes. But few are able to take advantage of the historic rates.

By: Associated Press, INFORUM

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