This Dec. 20, 2011 photo, shows a row of new homes for sale, in Winter Garden, Fla. Fixed mortgage rates rose slightly this week off their record lows. The year ends much like it began, with few people able to take advantage of the best rates in history. (AP Photo/John Raoux)

Associated Press
This Dec. 20, 2011 photo, shows a row of new homes for sale, in Winter Garden, Fla. Fixed mortgage rates rose slightly this week off their record lows. The year ends much like it began, with few people able to take advantage of the best rates in history. (AP Photo/John Raoux)
This Dec. 20, 2011 photo, shows a row of new homes for sale, in Winter Garden, Fla. Fixed mortgage rates rose slightly this week off their record lows. The year ends much like it began, with few people able to take advantage of the best rates in history. (AP Photo/John Raoux)
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