The national average on a 30-year fixed rate mortgage dropped to 4.36% in August 2010, lower than it’s been in the past half century. Interest rates for the same time last year averaged 5.19%, representing a difference of $90 in monthly payment on a $200,000 home with 10% down, as well as a savings $32,460 over the life of the loan. For more reasons why now is prime time to buy a home , contact me and I’ll send you a free ebook.