It's been since 1961 or so when 30 year mortgages had rates this low thanks to the U.S. government. Rates may even go lower!
What to do?
Like to play the odds?
Then wait.
If you like to sleep at night, buy NOW.
The FHA has a nice program where you can "Streamline" reinance for no cost whenever it will reduce your monthly payment. See http://fhadirect.hud.gov/offices/hsg/sfh/buying/streamli.cfm
So I say..."What Are You Waiting For?"
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