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Since 1974 rates have been lower than today’s rates only four times. Below are the dates and mortgage rates. 1) June 2003 5.23 2) March 2004 5.45 3) May 2003 5.48 4) January 2008 5.48 5) December 2008 5.53 Although we looked over a period of 34 years it was interesting that three of the four months with the lowest mortgage rates were in 2003.

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