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The 30-year fixed-rate mortgage (FRM) averaged 3.95 percent for the week ending Jan. 4, down from last week when it averaged 3.99 percent. The 15-year FRM this week averaged 3.38 percent, down from.

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The 30-year fixed-rate mortgage (FRM) averaged 3.90 percent for the week ending Nov. 9, down from last week when it averaged 3.94 percent. A year ago at this time, the 30-year FRM averaged 3.57.

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The average contract interest rate for 30-year fixed-rate mortgages backed by the FHA decreased to 3.81 percent from 3.82 percent, with points decreasing to -0.03 from 0.08 (including the origination.