What are some low mortgage rates?

In 2015, low mortgage rates for a 30-year fixed-rate mortgage range from about 3.6 percent to roughly 4 percent, with the lowest in the previous five years being 3.35 percent in December 2012, according to Freddie Mac. The average rate for a 30-year mortgage in July 2012 was 4.05 percent.

From 2005 to mid-2015, mortgage rates were historically low. Bankrate.com suggests that mortgage rates tend to rise with stock prices, the foreign market, expected inflation and a good job market, and mortgage rates tend to fall with falling stock prices, a bad foreign market, low inflation and high unemployment. One's credit score and the size of the loan also impact the mortgage rate, according to Freddie Mac.