Mortgage rates have dropped again this week according to Freddie Mac!  The average rate on a 30-year fixed mortgage  dropped to 3.53% from 3.56% last week. This latest drop makes it 12 of the last 13 weeks that a new record low has been set.  The 15-year fixed rate loan was also down to 2.83%,  from 2.86%. The only real question is when will the drop end and rates hold steady or start to rise.