Seems like it's never been a better time to buy a house, especially if you've got good credit. Hot deals, tax credits and now record mortgage rates are all making this a very attractive market.

According to a recent AP article, rates for 30 and 15 year fixed-rate mortgages continued to drop last week. Average rates for 30-year fixed mortgages matched a record low set last spring and are more than a full percentage point below what they were a year ago while the 15-year rate hasn't been this low since Freddie Mac started tracking it in 1991.

On the downside, most experts polled last week by Bankrate.com expect that rates will rise again shortly. Hopefully buyers will have time to take advantage of this market during this hectic holiday season.