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56 percent -- a record low.

Even if they go up a percentage point or two, however, mortgages will still be relatively low.

have picked up lately, averaging about 202,000 a month over the past six months.

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Meanwhile, those seeking a received an average rate of 3.

During the recession, the Fed lowered its short-term interest rate to near zero in order to stimulate the economy.

"Up until recently, expectations were that the Fed would begin to taper purchases of mortgage-backed securities and Treasury bonds late in 2013, but that time frame appears to have moved to September, possibly sooner," said Keith Gumbinger, vice president of , a mortgage information company.

For investors to do that, the loans will have to offer a better payoff.

Huge park-like backyard with lots of fruit trees great for entertaining and relaxing! 7 to 2 percentage points higher, it indicates that mortgages should be at between 3.

But now, the market believes the economy is getting stronger, said Wendy Cutrefelli, a vice president in the.

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