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Long-term mortgage rates came down this week to near six-month lows as waning consumer confidence and weak home sales cast doubt on the strength of the economy, Freddie Mac and Bankrate.com reported today. In Freddie Mac's survey, the 30-year fixed-rate mortgage sank to an average 6.26 percent from 6.33 percent last week, and the average 15-year fixed rate dropped from 5.99 percent to 5.91 percent. Points, or fees lenders charge for loan processing expressed as a percent of the loan, averaged 0.4 on the 30- and 15-year loans. The 30-year rate hasn't been this low since the week ending May 17, when it averaged 6.21 percent; the 15-year rate is now at a low not seen since May 10, when it averaged 5.87 percent, Freddie Mac reported. Average rates on adjustable-rate mortgages (ARMs) also hit lows not seen since May, as the five-year Treasury-indexed hybrid ARM dipped to an average 5.98 percent from 6.03 percent a week ago, and the average one-year ARM rate fell from 5.66 percen...