If you’re thinking about buying a home or refinancing in 2015, don’t worry about mortgage interest rates because they don’t seem to be going anywhere.

 Mortgage rates are sliding so far in 2015, including some of the most popular types like fixed-rate mortgages. The 30-year rate for this type is now well below 4 percent, and a conforming 5/1 Hybrid Adjustable Rate Mortgage (ARM) is under 3.5 percent. This is good news for new homebuyers and those looking to refinance.

Although there have been small changes in these rates recently, the overall trend has them staying low for the foreseeable future meaning more consumers may be able to finance-or refinance-their homes.

Worldwide focus on the fall in oil prices is now raising concerns about the possibility of deflation, or falling prices elsewhere. Deflation can lead to economic decline in both local and foreign economies, as lower prices mean consumers don’t need to pay as much – or work as long – for what they want.

With so much uncertainty like this in the world and other economies, the United States once again looks like a safe haven. As a result, investors are flocking to buy bonds as well as accepting lower yields on their bond holdings. Another side effect is that interest rates are declining, as other economies appear to be less of a safe bet.

It’s a good time to start looking for a home or refinance the one you have. Unless the U.S. economy does a dramatic turnaround, low interest rates should be here for most, if not all, of 2015.