After six consecutive weeks of rising, mortgage rates inched slightly lower this week, with the 30-year fixed-rate mortgage staying below 4 percent. 

Freddie Mac reports the following national averages for the week ending June 20: 

• 30-year fixed-rate mortgages: averaged 3.93 percent, with an average 0.8 point, dropping from last week’s 3.98 percent average. A year ago at this time, 30-year rates averaged 3.66 percent. 
• 15-year fixed-rate mortgages: averaged 3.04 percent, with an average 0.7 point, dropping from last week’s 3.10 percent average. A year ago, 15-year rates averaged 2.95 percent. 
• 5-year hybrid adjustable-rate mortgages: averaged 2.79 percent, with an average 0.5 point, holding the same as last week. Last year at this time, 5-year ARMs averaged 2.77 percent. 
• 1-year ARMs: averaged 2.57 percent, with an average 0.4 point, dropping from last week’s 2.58 percent average. A year ago, 1-year ARMs averaged 2.74 percent. 

Source: Freddie Mac