U.S. long-term rates on mortgages declined slightly this week, remaining close to the historically low levels where they have hovered over the past 60 days.
Rates on Mortgages Ease – 30-Year at 3.72%
Mortgage buyer Freddie Mac said Thursday the average rate for a 30-year fixed-rate mortgage eased to 3.72% from 3.74% last week. The benchmark rate stood at 4.51% just last year.
The average rate on a 15-year mortgage slipped to 3.16% from 3.19%.
More positive economic data and improved housing-market sentiment have brought stability in the rate on mortgages, Freddie Mac Chief Economist Sam Khater said. For all of 2019, the 30-year loan averaged 3.9%, the fourth-lowest annual rate since Freddie Mac began tracking it in 1971, in accordance with the company.
Volatile interest rates earlier in 2019 caused a slowdown in the housing market, Khater noted. The lower interest rates and a strong job market are โsetting the stage for a continued increase in home sales and home prices,โ he said.
Freddie Mac surveys lenders nationwide between Monday and Wednesday each week to compile its mortgage rate figures. The average doesnโt include extra fees, generally known as points, which most borrowers must pay to get the lowest rates.
The average fee on 30-year fixed-rate mortgages remained at 0.7 point this week. The average fee for the 15-year mortgage also held at 0.7 point.
The average rate for a five-year adjustable-rate mortgage rose to 3.46% from 3.45% last week. The fee was unchanged at 0.3 point.
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