Mortgage rates look to be headed up again after a month of stability, with the latest weekly survey by Freddie Mac showing rates on 30-year fixed-rate mortgages notching up by nearly a tenth of a percent this week.

A separate survey by the Mortgage Bankers Association suggests that rates were already on the rise last week — hurting demand for refinancings, but not purchase loans, which saw a jump in applications in the week before the July 4 holiday.

Freddie Mac’s survey showed 30-year fixed-rate mortgage averaged 4.6 percent with an average 0.7 point for the week ending July 7, up from 4.51 percent last week and 4.57 percent a year ago. Rates on 30-year fixed-rate mortgages climbed to a 2011 high of 5.05 percent in February before falling to a low for the year of 4.49 percent during the first week of June.

Rates on 15-year fixed-rate mortgages averaged 3.75 percent with an average 0.7 point, up from 3.69 percent last week but down from 4.07 percent a year ago. So far this year, rates on 15-year fixed-rate loans have ranged from a high of 4.29 percent in February to a low of 3.67 percent in June.

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