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30-Year Mortgage Rate Averages 4.78 Percent

Rates on 30-year Mortgages Match Record Low

According to Freddie Mac this week – Average rates for 30-year fixed mortgages fell this week, matching a record low set in Spring 2008, and more than a full percentage point below what they were a year ago, which was averaged 5.97 percent.

  • 30-year fixed rate averages¬†4.78 percent;
  • 15-year fixed rate averages 4.29 percent (lowest since 1991);
  • 5-year adjustable-rate averages 4.18 percent;
  • 1-year adjustable-rate averages 4.35 percent

The rates do not include add-on fees known as points. The nationwide fee for loans in Freddie Mac’s survey averaged 0.7 point for 30-year and 1-year loans. The fee averaged 0.6 point for 15-year and 5-year mortgages.

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