Mortgage rates tick down, but can borrowers seize the opportunity?

ates for home loans ticked down as the bond market moved sideways and the housing market made little headway.

The 30-year fixed-rate mortgage averaged 4.52% during the July 19 week, down one basis point, according to the weekly data from mortgage provider Freddie Mac. The 15-year fixed-rate mortgage averaged 4.00%, down from 4.02%. The 5-year Treasury-indexed hybrid adjustable-rate mortgage averaged 3.87%, up one basis point.

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