For many homeowners, there's an easier mortgage move: it's a great time to refinance, with rates near record lows.

对许多业主来说，还贷有窍门：在贷款利率接近历史最低点的时候，是最合适申请再融资的时候。

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From around 2001 and 2002, with mortgage interest rates at near-record lows, millions of Americans went shopping for homes.

在2001 - 02年期间，抵押贷款的利率降低到了历史记录的最低点，成百万的美国人购买了住房。

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The outlook for the next six months is also better, said NAHB chief economist David Crowe, thanks to lower inventory of homes available for sale, mortgage rates near record levels and better consumer confidence.

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Most people buy homes with a mortgage, and rates for those have plummeted to record lows.

WSJ: Upside: Housing Stocks Face Trouble

This morning the Mortgage Bankers Association reported that mortgage applications for home purchases sank to a 13-year low last week in spite of near record low mortgage rates.

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