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Surge in mortgage rates equivalent of a 6% increase in home payment prices, says Zelman's RatnerNational year fixed mortgage rates go down to %. The current average year fixed mortgage rate fell 8 basis points from % to % on Friday. Today's year fixed mortgage rates ; Conventional fixed-rate loans � year. % ; Conforming adjustable-rate mortgage (ARM) loans � 10/6 mo. % ; Jumbo. Current mortgage and refinance rates ; % � % � % � % ; % � % � % � %.