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National mortgage rates for Jan. 10, 2013

Polyana da Costa

Interest Rate Roundup

Mortgage rate graph

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  • 3.67% (30-year fixed)
  • 0.32 (average points)

Mortgage rates spiked this week as investors reacted to speculation that the Federal Reserve could end its bond-buying program this year.

The 30-year fixed-rate mortgage rose 9 basis points to 3.67 percent. A basis point is one-hundredth of 1 percentage point.

The 15-year fixed-rate mortgage rose 4 basis points to 2.92 percent. The average rate for 30-year jumbo mortgages, or generally for those of more than $417,000, rose 2 basis points to 4.1 percent.

The 5/1 adjustable-rate mortgage rose 1 basis point to 2.77 percent. With a 5/1 ARM, the rate is fixed for five years and adjusted annually thereafter.

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