Mortgage rates fell this week, boosting the housing market’s recovery. The 30-year fixed-rate mortgage averaged 6.32% for the week ending March 30, according to Freddie Mac. As major housing indicators improve, borrowing costs are heading down. However, limited housing options will likely hinder some potential buyers this spring. Baby boomers, who own homes and have more wealth than younger generations, are now the top homebuying force in America.