With interest rates expected to rise later this year, you may be wondering whether you should buy a home at today’s low rates. The average rate for a 30-year, fixed-rate mortgage was 3.85 percent last week, according to Freddie Mac’s weekly mortgage market survey, about what it was at the end of 2014. Interest rates, however, should not be the primary factor that determines when you purchase a home. For most buyers, other factors are much more important. Rather than buy now for fear that rates might suddenly increase, for example, it might be smart to wait so you can save up a bigger down payment. For more on this topic, read the full sltory on our sister site, Living on the Cheap.