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Freddie Mac reports the following national averages with mortgage rates for the week ending Oct. 31: 

• 30-year fixed-rate mortgages: averaged 4.10 percent, with an average 0.7 point, dropping from last week's 4.13 percent average. Last year at this time, 30-year rates averaged 3.39 percent. 
• 15-year fixed-rate mortgages: averaged 3.20 percent, with an average 0.7 point, dropping from last week's 3.24 percent average. Last year at this time, 15-year rates averaged 2.70 percent. 
• 5-year hybrid adjustable-rate mortgages: averaged 2.96 percent, with an average 0.4, dropping from last week's 3 percent average. A year ago, 5-year ARMs averaged 2.74 percent. 
• 1-year ARMs: averaged 2.64 percent, with an average 0.4 point, rising from last week's 2.60 percent average. A year ago, 1-year ARMs averaged 2.58 percent.