The average rate on the 30-year fixed mortgage hovered near historic lows this week, making home-buying and refinancing more attractive to those who can qualify.

Mortgage buyer Freddie Mac says the rate on the 30-year loan increased to 3.92 percent. That’s up from 3.88 percent the previous week. The rate touched 3.87 percent four weeks ago, the lowest since long-term mortgages began in the 1950s.

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