That’s why we’re here.  We have one goal:  To help you, our neighbor, thrive in today’s and tomorrow’s real estate market.  And that will always be our goal, every week, every year.  Neighbors helping neighbors.

With 11 months of data reported, 2012 will clearly go down as a record year for favorable housing affordability conditions, and a great year for buyers who could get a mortgage, according to the National Association of REALTORS®.

One year ago today, on Nov. 21, 2012, the average interest rate for a 30-year fixed-rate mortgage hit 3.31 percent, the lowest rate on record–ever. This morning, the average rate is 4.22 percent, according to Freddie Mac’s Primary Mortgage Market Survey.