With mortage rates at all-time lows you’d think it would be an ideal time to buy a house or to refinance, but there are obstacles in the way that make it easier said than done for many people.

Freddie Mac said Thursday the average rate on the 30-year fixed mortgage fell to 3.89 percent, even a few ticks lower than the what rates were weeks ago. The average on the 15-year fixed mortgage also tricked down to 3.16 percent. Darin Wilson from Network Mortgage in Chico says now is the time to buy a house.

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