Mortgage Rates at All Time Low, Again

I keep seeing headlines like this.  I don’t necessarily understand what it means.  Mortgage rates continue to reach an all time low, and are expected to continue there decline.  It reminds me of hearing slogans like, “Now is the best time to buy a car” or something along those lines.  Then I hear how banks aren’t lending.  If mortgage rates are at there lowest, but mortgage banks are not giving mortgage loans, does it make a sound?

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