Mortgage rates continue to cling to record low rates this week.  The rate on the 30 year fixed loan, hovers at 3.87 percent.  In addition, several recent reports are predicting that the housing crisis will end in 2012.  Now is truly the perfect storm for homebuyers!  You couldn't ask for a better time to buy a home.  Record low mortgage rates combined with very affordable home prices.  If you've been sitting on the fence about buying a home, don't wait.  Once everyone else catches on and gets into the market, your competition will be stiff for those hot homes, and housing prices will start to rise.