The 30-year fixed mortgage rate (national average) is at 3.72%, down from 3.82% last week. The rate for a 15-year fixed home loan is at 3.01% down from 3.12%. The rate for a 5-1 adjustable-rate mortgage is 2.63%, down from 2.76%; a 5-1 ARM has an initial rate that applies for the first five years of the loan and then adjusts annually.
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