Mortgage Rates Fall

Mortgage rates fell, with shorter-term loans posting the biggest declines and the average rate on 30-year fixed-rate mortgages retreating further below 5%, according to Freddie Mac’s weekly survey.

The 30-year fixed-rate mortgage averaged 4.93% for the week ended Thursday, down from last week’s 4.97% average and 5.04% a year ago. It hit its lowest rate on record this month, when it fell to 4.71%.

Rates on 15-year fixed-rate mortgages were 4.33%, down from 4.34% and 4.68%, respectively.

Five-year Treasury-indexed hybrid adjustable-rate mortgages averaged 4.12%, down from last week’s 4.19% and 5.04% a year earlier. One-year Treasury-indexed ARMs declined to 4.23%, from 4.33% and 4.8%.

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