Mortgage rates have been going down on a major scale over the last year, but have been going up a few points in the last four to six weeks.  The most popular mortgages are 15 and 30-year fixed.  These types of loans mean that the interest rates are locked in over the life of the loan.  Washington State Bank Executive Vice President Steve Bohn says that now is the time to get a mortgage while the rates are at historic lows.  While getting a mortgage can be a lengthy process, Bohn says that most people will qualify if you have a good credit score and possibly a good down payment.  He says that if your credit is not the greatest, you can raise your credit score by starting to make payments on time to your creditors.  To find out your current credit history, check out annualcreditreport.com.