Not only are those amazingly low, but the 15-year rate was so low that for the same amount borrowed, it would have lower payments than the 30-year mortgage (in addition to being paid off twice as fast).
I would dearly love to take advantage of this, but I'm currently unemployed, and I would have to come up with $50,000+ to be able to get an 20/80 mortgage.
http://www.quickenloans.com/home-loans/15-year-fixed
seems quicken 15 yr is 3.375. Do you know where you saw it?