Rates on 30-year fixed-rate mortgages averaged 4.31 percent with an average point of 0.8 percent for the week ending July 25, down from 4.37 percent last week but up from 3.49 percent a year ago, according to Freddie Mac’s latest Primary Mortgage Market Survey.

Rates on 15-year fixed-rate mortgages, five-year Treasury-indexed hybrid adjustable-rate mortgage (ARM) loans and one-year Treasury-indexed ARMs also edged downwards. Source: Freddie Mac

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