FILE- In this June 13, 2012, file photo, a woman walks to an open house in San Diego. Fixed U.S. mortgage rates fell again to new record lows, providing prospective buyers with even

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FILE- In this June 13, 2012, file photo, a woman walks to an open house in San Diego. Fixed U.S. mortgage rates fell again to new record lows, providing prospective buyers with even more incentive to brave a modestly recovering housing market. Mortgage buyer Freddie Mac said Thursday, July 5, 2012, that the average on the 30-year loan dropped to 3.62 percent. That's down from 3.66 percent last week and the lowest since long-term mortgages began in the 1950s. (AP Photo/Gregory Bull, File) less