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Freddie Mac’s Jan. 8 release of the results of its Primary Mortgage Market Survey┬« (PMMS┬«) shows average fixed mortgage rates starting 2015 at their lowest level since May 2013, amid sliding bond yields. A year ago at this time, the 30-year fixed-rate mortgage (FRM) averaged 4.51 percent, and the 15-year FRM averaged 3.56 percent.

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