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Mortgage rates recommence their upward trajectory

Mortgage rates resumed their ascent this week.

According to the latest data released Thursday by Freddie Mac, the 30-year fixed-rate average inched up to 4.45 percent with an average 0.5 point. Points are fees paid to a lender equal to 1 percent of the loan amount. It was 4.44 percent a week ago and 4.23 percent a year ago.

The 15-year fixed-rate average ticked up to 3.91 percent with an average 0.5 point. It was 3.90 percent a week ago and 3.44 percent a year ago. The five-year adjustable rate average edged up to 3.68 percent with an average 0.4 point. It was 3.67 percent a week ago and 3.24 percent a year ago.

As expected, the Federal Reserve increased its benchmark rate Wednesday, raising it to 1.75 percent, the highest level in a decade. The central bank doesn't set mortgage rates, but its decisions influence them.

The hike came too late in the week to be factored into Freddie Mac's survey. The government-backed mortgage-backer aggregates current rates weekly from 125 lenders from across the country to come up with national average mortgage rates. But the Fed's confidence in the U.S. economy is driving bond yields higher. The yield on the 10-year Treasury hovered around 2.89 percent the past two days. When yields go up, home loan rates tend to follow.

People and Property: NH Real Estate and Construction News Rundown

Annual Homebuyer Fair from 9 a.m. to 2 p.m. Saturday, March 17 at the Manchester Downtown Hotel (formerly the Radisson). Attendees can attend free educational seminars and talk with lenders, real estate agents, title companies, nonprofit organizations, and agencies. More than 25 exhibitors will be at the event. Another Homebuyer Fair will be held March 24 in Littleton. For more information, visit or call 1-800-649-0470.


The 50-year-old independent Colonial Pharmacy has moved to a new location at 82 Newport Rd. in New London. The newly constructed 14,000-square-foot building was built by Milestone Engineering and Construction and designed by Frank Anzalone Associates of New London. Subcontractors were Horizons Engineering , Omega Structural Engineering , Reno Engineering , Wendy Anderson Landscape Design and Design Day Mechanical Inc

can a mortgage lender seek deficiency if I filed for bankruptcy in NH?

Chapter 7 discharged in 08. Mortgage was not reaffirmed.

No. If you did not reaffirm, your personal liability for the mortgage was discharged in bankruptcy. Any attempt to collect any deficiency would be a violation of the discharge order.