With the recovery in full swing and the housing market on its way back up (well, maybe not in some places) qualified people actually willing to buy a house can get one of these historically low mortgage rates, right? Maybe. If they've got a 25% down payment and near perfect credit. Data shows that the average home loan closed in February necessitated an average credit score of 750 and loan-to-value ratio of 76%. The cycles of real estate are known to show pendulum-like swings, but this seems particularly, uh, swing-y.