As was the case for the past couple of days, there weren't many changes in mortgage rates Friday -- but the changes that did occur were nearly all for the better. The 15-year fixed refinance loan declined the most, falling 5 basis points. The 5/1 adjustable rate mortgage (ARM) sank 4 points,  while the average for a 30-year fixed loan eased by 3 basis points.

The 30-year fixed refinance rate largely stabilized after a couple days of wild swings, creeping down a single basis point.

Most loan alternatives continue to compare favorably with their levels last month, with several considerably lower.

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

4.26%

4.40%

30-year fixed

3.80%

3.90%

15-year fixed

3.02%

3.10%

30-year fixed refinance

3.79%

3.90%

15-year fixed refinance

3.01%

3.08%

5/1 ARM

3.17%

3.17%

5/1 ARM refinance

3.25%

3.27%

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

Today's mortgage rates aren't just near historical lows, they are a fraction of what home buyers faced 10 years ago. For some perspective, here are a few of the average  mortgage rates from June 2007.

Mortgage Type

Mortgage Rates June 2007

30-year fixed

6.66%

15-year fixed

6.34%

1-year ARM

5.68%

5/1 ARM

5.31%

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 good news keeps on coming. Interest rates on HELOCs held steady at 5.35%, while equity loans inched up a basis point to 5.26%. A month ago HELOCs were 5.33% and equity loans 5.29%.

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