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Mortgage rates dip to begin 2019

Mortgage rates began the year lower, according to Freddie Mac.

As of Thursday, the 30-year fixed rate averaged 4.51 percent, down four basis points. A year ago, the rate averaged 3.95 percent, and have come down from as high as 4.94 percent in early November, according to Freddie.  

The 15-year fixed rate fell two basis points to 3.99 percent, and five-year adjustable rate mortgages declined two basis points to 3.98 percent, Freddie said.

“Low mortgage rates combined with decelerating home price growth should get prospective homebuyers excited to buy,” said Sam Khater, Freddie Mac’s chief economist. “However, it will be interesting to see how the recent turmoil in the stock market will affect homebuying activity in the coming months.”


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