b'Mortgage rates have fallen. And you can now get a 30-year mortgage under 3%! Clark is a big fan of 15-year mortgages though because of the even lower rates those carry.\\n\\nKim and Joel share the Clark Stinks posted on the web and share with Clark. Submit yours to: Clark.com/ClarkStinks.\\nLearn more about your ad choices. Visit megaphone.fm/adchoices'