Mortgage rates remained near another record low for the third straight week. If a new low comes, it may not be because the U.S. housing market is struggling.

The 30-year fixed-rate mortgage averaged 3.31% during the week ending April 16, representing a decline of two basis points from a week ago, Freddie Mac
FMCC,
+10.44%

reported Thursday. A year ago, the 30-year fixed-rate mortgage…

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