Similar to yesterday, not many changes in mortgage rates Thursday, and what little movement occurred was primarily downward, with one notable exception. The 5/1 adjustable-rate mortgage (ARMs) and refinance rates both inched up, though only 2 basis points (a basis point equals 1/100 of a percent).

Once again the 30-year fixed refinance loan seemed to be dancing to its own tune, this time in home buyers favor. The 30-year fixed refinance erased nearly all of yesterday's 22 point jump, dropping 0.21% to 3.80%.

Most loan alternatives continue to compare favorably with last month, just as they did for much of May.

Here are today's average mortgage rates across the U.S., along with where they stood a month ago.

Mortgage Type

Mortgage Rates Today

Mortgage Rates 1 Month Ago

30-year fixed jumbo

4.25%

4.43%

30-year fixed

3.83%

3.89%

15-year fixed

3.04%

3.10%

30-year fixed refinance

3.80%

3.87%

15-year fixed refinance

3.06%

3.08%

5/1 ARM

3.21%

3.16%

5/1 ARM refinance

3.28%

3.27%

Data source: Bloomberg. National average rates, which may include points.

Today's mortgage rates remain near historical lows, but homebuyers were enjoying even less costly loans five years ago. For some perspective, here are a few of the average mortgage rates from June 2012.

Mortgage Type

Mortgage Rates, June 2012

30-year fixed

3.68%

15-year fixed

2.95%

1-year ARM

2.76%

5/1 ARM

2.80%

Data source: Federal Home Loan Mortgage Corporation (Freddie Mac). Rates do not include points.

For homeowners researching a home equity line of credit (HELOC) or equity loan, the relatively good news keeps on coming. HELOCs crept up a mere basis point to 5.35%, while equity loans held steady at 5.25%. A month ago, HELOCs were at 5.30% and equity loans at 5.29%.

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