The interest rates have come down in general, slightly, of late. Mortgages that were more like 4.8 and 4.9% several months back (30 yr, fixed, conforming loans) are now down as low as 4.5 and ever 4.4% ... AMAZINGLY LOW.
When they get less interest on their mortgages and loans, they pay less to you for giving them cash (which they in turn loan).
It's part of the overall down economy that Obama and the failed "surplus" and high spending and debt and unemployment have brought us. Obama's economic approaches are going to go down in history as horrible mistakes ... but then who thought or expected him to be able to RUN ANYTHING on his fist administrative job? HELLOOoooooooooooo voters!