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MORTGAGE AND REFINANCE RATES TODAYThe Average mortgage rates nudged lower yesterday, as anticipated.

It was in line with the small daily variations we have grown used to recently.First thing, there were signs of more excellent news.

And mortgage rates today will likely fall again.

But nobody seems quite sure why.

THE CURRENT MORTGAGE AND REFINANCE RATESProgramMortgage RateAPR*ChangeConventional 30 year fixed2.83%2.83%-0.07%Conventional 15 year fixed2.188%2.188%-0.06%Conventional 20 year fixed2.75%2.75%UnchangedConventional 10 year fixed1.951%1.98%-0.04%Conventional 5 year ARM3.521%3.188%+0.01%30 year fixed FHA2.688%3.343%-0.03%15 year fixed FHA2.404%3.004%-0.03%5 year ARM FHA2.5%3.194%Unchanged30 year fixed VA2.295%2.467%-0.08%15 year fixed VA2.25%2.571%Unchanged5 year ARM VA2.5%2.372%UnchangedYesterday’s fall and today’s likely one may go round to be just another couple of routine daily blips.

And mortgage rates remain within the very stiff range we’ve been seeing for some weeks.But we may be just an only single trigger away from higher rates.