The trend of our amazing lending rates continues. Thirty-year fixed-rate mortgages are hovering right around 3 percent and 15-year fixed-rate mortgages are an astonishing 2.39 percent.

To make a long story short, this is clearly a great time to borrow money for a home. But before you start throwing money at the first for sale sign you see, let's take a peek at how to spot a great deal.

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