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Moderating inflation and the July 4 holiday kept long-term mortgage rates mixed this week, according to surveys conducted by Freddie Mac and Bankrate.com. In Freddie Mac's survey, the 30-year fixed-rate mortgage sank to an average 6.63 percent from 6.67 percent last week, and the 15-year fixed fell from 6.34 percent to 6.3 percent. Points, which are fees lenders charge for loan processing expressed as a percent of the loan, averaged 0.4 on the 30- and 15-year loans. Adjustable-rate mortgage (ARM) costs were scattered this week, with the five-year Treasury-indexed ARM falling to 6.29 percent from 6.3 percent and the one-year ARM rising to 5.71 percent from 5.65 percent last week. Points on these loans averaged 0.4. "Long-term mortgage rates continued to move lower for a third consecutive week, in part reflecting a moderation in core inflation," Frank Nothaft, Freddie Mac vice president and chief economist, said in a prepared statement. "In the statement accompanying their decision to le...