According to the Mortgage Bankers Association’s Weekly Applications Survey, rates for 30-year fixed-rate mortgages fell to 4.91 percent last week, down from 5.01 the week before. With the Federal Reserve winding down its purchases of mortgage-backed securities, speculation has been that rates would begin rising. But the program, which has been credited with keeping rates near or below five percent, expires at the end of this month and rates remain near record lows. More here and here.