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Some projections say this particular trend continue and home values will continue to fall until the end of 2012. Others say market place will still remain down until 2014. Even that uncertainty, should you buy a house also would depend mortgage rates, which are not expected to stay this low for longer. In fact, the Mortgage Bankers Association forecasts mortgage rates will bond with 6 percent by the end of 2012. So from a lending standpoint, this will probably be optimal time buy.

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