Average mortgage rates edged up a hair to 4.14% with an average 0.5 points from last week's 4.12%, according to Freddie Mac data. That's up from 3.91% a year ago.
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The rate on the average 15-year mortgage was 3.23% with 0.5 points, up from 3.03% a year ago. For adjustable-rate mortgages, the rate on a five-year ARM averaged 2.93% this week with a 0.4 point and a one-year ARM averaged 2.40% with a 0.4 point.