Long-term U.S. mortgage rates fell this week, according to mortgage buyer Freddie Mac, starting the year with an inducement to prospective homebuyers
| This week | Last week | Year ago |
30-year fixed | 4.51 | 4.55 | 3.95 |
15-year fixed | 3.99 | 4.01 | 3.38 |
5-year adjustable | 3.98 | 4.00 | 3.45 |
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