Mortgage rates closed out 2012 near record lows, keeping home affordability at a significant high as the nation and housing market move towards an uncertain future in 2013.  While the country’s financial issues are impacting overall confidence, mortgage rates continue to foster an affordable housing market.

The 30-year, fixed-rate mortgage hovered at 3.35 percent for the week ending Dec. 27, down from 3.37 percent a week earlier and 3.95 percent last year, according to Freddie Mac’s Primary Mortgage Market Survey.  Overall, fixed-rate mortgages finished the year near all-time lows, the GSE said in its latest interest-rate report.