I like watching the discussion on interest rates because it is somewhat moot when nobody has jobs and younger people are saddled with student debts. I also find it an academic discussion because banks will only loan to picture perfect people with real jobs and none of you self-employed types or those of you who want to buy rental property. You must fit into the slot the government has made and if you don't, well then those interest rates may as well be 0%.
Remember kids, home ownership and the American dream isn't for you. It's only for older people and good little corporate cogs who did what they were told.