Mortgage rates have been on a slow but noticeable decline over the past year. And in recent months, they actually reached their lowest point in over three years. There are no multiple ways in which qualified borrowers can secure rates under 6% now. It's great news for hopeful homebuyers, as well as existing homeowners who have been eyeing a refinance. But it also begs the question: How low can mortgage rates  actually go? Could they fall below the 5% mark at some point in the near future? There'