let's bring in our financial analyst clyde anderson to talk about this.g. >> do low ratsdz mean the housing -- >> it's a slow recovery, but there is a recovery. think about it. 3.8%. 30-year fixed mortgage. who knew we would get down this low? those are amazing rates, and it's driving a lot of people into the market and it's making mortgages affordable. >> it's a little shuffle, right? it's not a full race. not fully there yet. >> i like that. >> so the rates may be low, but i guess the question is are people buying? >> yeah. people are buying. first time home buyers are the ones really buying. again, banks are lending as much as they were in the past. they're not making it as easy to lend. 640 is barely the rate you're going to have to be around to get a reasonable or good market loan and to take advantage of these low mortgage rates, and you have to make sure the credit is good as well. >> that's great news. >> all right. so they're up, and that is good news, as you say, or great news as you say. what about the loans? are the loans getting any easier fo

meet mugs anderson and clyde.the first men to cross the golden gate bridge. >> so many of those who follow, lucky for us in your cars 1.9 billion vehicles kroz the golden gate bridge open on this day 75 years ago. the bridge that pessimists said could not be built has been built. celebrating the brave american work who are built the bridge. when we come back, lady gaga fans devastated. sy overseas forcing her off the stage. overseas. leg! i used to love hearing that phrase... but not since i learned i have... postmenopausal osteoporosis and a high risk for fracture. i want to keep acting but a broken bone could change that. so my doctor and i chose prolia® to reduce my risk of fractures. prolia® is proven to help make bones stronger. proven to help increase bone density. i take prolia®. it's different. it's two shots a year. [announcer:] if you take prolia® (denosumab) you should not take xgeva®. prolia® can cause serious side effects, including low blood calcium levels, serious infections... ...some of which may