--- title: U.S. Mortgage Rates Increase After New Year Decline description: After a dip in U.S. mortgage loan interest rates to start the new year, rates bounce back for the week ending January 11, 2018. --- (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") ## [U.S. Mortgage Rates Increase After New Year Decline](https://info.buyersbrokersonly.com/blog/u.s.-mortgage-rates-increase-after-new-year-decline) Jan 14, 2018 12:16:58 PM Average U.S. mortgage interest rates increased 4 basis points for the week ending January 11, 2018, after starting the year with a 4-basis-point dip, Freddie Mac reported.  ![Happy homebuyers who received professional mortgage advice before shopping for a home](https://info.buyersbrokersonly.com/hs-fs/hubfs/couple_key_moving_in.jpg?width=350&name=couple_key_moving_in.jpg "Happy homebuyers who received professional mortgage advice before shopping for a home")The 30-year, fixed rate [mortgage loan](https://www.buyersbrokersonly.com/buying/massachusetts-mortgage-resource-center) averaged 3.99 percent, with an average 0.5 point, according to Freddie Mac's weekly Primary Mortgage Market Survey. The 30-year note averaged 3.95 percent the previous week and 4.12 percent during the same week last year. The 15-year, fixed rate mortgage averaged 3.44 percent, with an average 0.5 point, up 6 basis points from 3.38 percent the week before. A year ago the 15-year, fixed rate home loan averaged 3.37 percent. The five-year, adjustable rate [mortgage loan](https://info.buyersbrokersonly.com/blog/4-things-homebuyers-should-not-do-during-the-loan-approval-process) averaged 3.46, with an average 0.4 point, up from 3.45 percent the previous week and 3.23 percent last year. 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