Mortgage borrowing costs in the United States have fallen to their lowest levels in three years, providing a welcome boost to prospective homeowners amid steady economic growth. Freddie Mac’s Primary Mortgage Market Survey showed the 30-year fixed-rate mortgage averaged 6.16% for the week ending January 8, up slightly from 6.15% the prior week but down sharply from 6.93% at the same point last year. The 15-year fixed-rate mortgage, popular among refinancers, averaged 5.46%, edging up from 5.44% but below last year’s 6.14%.

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