Mortgage rates surveyed by Freddie Mac hit new lows this week, but low rates alone may not be enough to spur homebuyer demand, a separate survey by the Mortgage Bankers Association suggests.Freddie Mac's Primary Mortgage Market Survey showed rates on 30-year fixed-rate mortgages averaging 3.91 percent with an average 0.7 point for the week ending Dec. 22, down from 3.94 percent last week and 4.81 percent a year ago.Rates on 15-year fixed-rate mortgages averaged 3.21 percent with an average 0.8 point, unchanged from last week's record low but down from 4.15 percent a year ago.For five-year Treasury-indexed hybrid adjustable-rate mortgage (ARM) loans, rates averaged 2.85 percent with an average 0.6 point, down from 2.86 percent last week and 3.75 percent a year ago.Rates on one-year Treasury-indexed ARM loans averaged 2.77 percent with an average 0.6 point, down from 2.81 percent last week and 3.4 percent a year ago.Rates on 30-year fixed mortgages have been at or below 4 percent for the...
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