According to Freddie Mac, the 30-year fixed-rate mortgage (FRM) had an average interest rate of 6.63 percent with an average 0.4 point compared to 6.67 percent and 0.4 point the previous week. The 15-year FRM was down 4 basis points to 6.30 percent with points unchanged at 0.4.  The five-year Treasury-indexed hybrid adjustable rate mortgage (ARM) decreased slightly to 6.29 percent from 6.30. Fees and points were down to 0.4 from 0.5.  The one-year Treasury-indexed hybrid ARM increased, moving from 5.65 percent to 5.71 percent with fees and points unchanged at 0.4.