3 ways low mortgage rates can work for you

<p>(MONEY Magazine) -- Just when it looked as if mortgage rates couldn't fall any further, they did.</p> <p>Rates on 30-year fixed-rate mortgages (excluding jumbos) hit an average of 4.3% in September, the lowest level since 1953, according to Freddie Mac, and are still hovering below 4.5%.</p>