--- title: Average U.S. Mortgage Interest Rates Decline description: U.S. homebuyers got a break from rising interest rates for the week ending December 6, 2018, according to Freddie Mac's weekly Primary Mortgage Market Survey. image: https://info.buyersbrokersonly.com/hubfs/images/couple%20entering%20home%20with%20box-1.jpg --- (978) 835-5906             [![Search Icon](https://info.buyersbrokersonly.com/hs-fs/hubfs/Search%20Icon.png?width=30&height=30&name=Search%20Icon.png)](https://info.buyersbrokersonly.com/search-results-page) [![Buyers Brokers Only, LLC – Real Estate Buyer Agents](https://info.buyersbrokersonly.com/hs-fs/hubfs/2023%20BBO%20Logo%20800x170.png?width=1600&height=340&name=2023%20BBO%20Logo%20800x170.png "Buyers Brokers Only, LLC – Real Estate Buyer Agents")](https://www.buyersbrokersonly.com/) # Massachusetts Home Buyer Guide ![smaller-dotted-line.png](https://cdn2.hubspot.net/hub/298849/file-263826832-jpg/true_gray_line_websites.jpg?width=1175&name=true_gray_line_websites.jpg "smaller-dotted-line.png") ## [Average U.S. Mortgage Interest Rates Decline](https://info.buyersbrokersonly.com/blog/average-u.s.-mortgage-interest-rates-decline) Dec 8, 2018 9:27:36 AM U.S. homebuyers got a break from rising interest rates for the week ending December 6, 2018, according to Freddie Mac's weekly Primary Mortgage Market Survey. ![New homebuyers who learn about mortgages before buying their house](https://info.buyersbrokersonly.com/hs-fs/hubfs/images/couple%20entering%20home%20with%20box-1.jpg?width=275&name=couple%20entering%20home%20with%20box-1.jpg)The 30-year, fixed-rate [mortgage loan](https://www.buyersbrokersonly.com/buying/first-time-home-buyer-programs) averaged 4.75 percent, with an average 0.5 point, a decline from 4.81 percent the previous week. Average rates were 3.94 percent the previous year. “Mortgage rates declined this week amid a steep sell-off in U.S. stocks," Sam Khater, Freddie Mac’s chief economist, said. "This week’s rate reaction to the volatile stock market is a welcome relief to [prospective homebuyers who have recently experienced rising rates and rising home prices](https://www.buyersbrokersonly.com/buying/first-time-home-buyer-programs).” The average 15-year, fixed-rate mortgage stood at 4.21 percent, with an average 0.4 point, compared to 4.25 percent the previous week. The 15-year note averaged 3.36 percent during the same week last year. The five-year, adjustable-rate mortgage (ARM) averaged 4.07 percent, with an average 0.3 point, down from 4.12 percent the previous week. A year ago, the 15-year ARM averaged 3.36 percent. Borrowers may still pay [closing costs](https://info.buyersbrokersonly.com/blog/what-are-closing-costs-when-buying-a-home-in-massachusetts), which Freddie Mac does not include in the survey. 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