Mortgage Rates Scream Buy! Buy! Buy! -- But Is Anyone Listening?

Mortgage rates have sunk to levels not seen in more than a half-century -- a seductive 4.58 percent for an average 30-year fixed loan. Yet brokers and lenders report not a flood but a trickle of customers. So what's going on?

Call it a tale of the haves and have-nots.

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