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Today's News Stories from Bankrate.com®:   14 loving, affordable gifts for Valentine's Day   Video: Go to the gym or work out at home?   What bargain shoppers find on sale in February   6 tips for buying a newly constructed home   10 new tax laws that may affect 2011 return More news... This service is supplied by Bankrate.com and is protected by copyright and owned by Bankrate.com. Today's Rates: Mtg Loan     Rate   APR 30-yr Fixed 3.87% 4% 15-yr Fixed 3.16% 3.33% 1-yr Adj 2.78% 3.45% * national averages

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