30-year fixed-rate mortgage averages 3.55% for the week ending Aug. 22, 2019, down 5 basis points from 3.60% in the previous week and 4.51% at this time a year ago, according to the Freddie Mac.

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A mortgage is a debt instrument, secured by the collateral of specified real estate property, that the borrower is obliged to pay back with a.

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Treasury Market and Mortgage Rates Mortgage rates generally rise and fall along with yields on Treasury securities, which reflect the overall direction of interest rates. Yields on 10 and 30-year Treasury securities are typically used to set long-term mortgage rates.

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Mortgage rates are continuing their downward spiral. According to Freddie Mac, the average rate on a 30-year fixed-rate loan has dropped to just 3.82%-down from 4.54% last June and its lowest point in.

PSA: Why itMortgage rates fell today, but by how much depends on the lender! This runs contrary to the average news story which contains some reference to rates being flat week-over-week (due to Freddie Mac’s.

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