National mortgage rates for Feb. 21, 2013

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Mortgages

  • 3.8% (30-year fixed)
  • 0.33 (average points)

Mortgage rates barely changed this week, giving refinancers and homebuyers some extra time to take advantage of the low-rate environment.

The 30-year fixed-rate mortgage rose 1 basis point to 3.8 percent. A basis point is one-hundredth of 1 percentage point.

The 15-year fixed-rate mortgage was 3.02 percent, the same as last week. The average rate for 30-year jumbo mortgages, or generally for those of more than $417,000, rose 2 basis points to 4.21 percent.

The 5/1 adjustable-rate mortgage rose 1 basis point to 2.76 percent. With a 5/1 ARM, the rate is fixed for five years and adjusted annually thereafter.



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