** FILE ** In this Tuesday, Aug. 21, 2012, photo, a new home is under construction in Palo Alto, Calif. The average U.S. rate on the 30-year fixed mortgage held steady this week and remained slightly above the lowest level on record. (AP Photo/Paul Sakuma, File)

Photo by: Paul Sakuma

** FILE ** In this Tuesday, Aug. 21, 2012, photo, a new home is under construction in Palo Alto, Calif. The average U.S. rate on the 30-year fixed mortgage held steady this week and remained slightly above the lowest level on record. (AP Photo/Paul Sakuma, File)