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(TNS)–Fixed mortgage rates were essentially flat this week, with lenders offering a 30-year loan at 3.67 percent, compared to 3.66 percent last week, according to Freddie Mac.

The mortgage finance giant’s weekly survey showed rates for a 15-year fixed loan averaged 2.94 percent, compared to 2.93 percent a week earlier.

The initial rate on loans fixed for five years before adjusting rose slightly, from 2.83 percent last week to 2.88 percent this week.

Mortgage rates have fallen in the last year, however, which could spur more home sales during the typically busy spring selling season.

A year ago, the average on a 30-year fixed loan was 4.27 percent.

Freddie Mac’s survey asks lenders each week about the terms they offer low-risk borrowers on loans up to $417,000.

Actual rates are influenced by many factors, including a borrower’s debt load and credit history.

©2015 Los Angeles Times
Distributed by Tribune Content Agency, LLC

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