Mortgage rates remain attractively low

Mortgage interest rates remained in neutral again this week, changing only slightly compared with last week's levels.

The benchmark 30-year fixed-rate mortgage rose 1 basis point this week, to 4.95 percent, according to the Bankrate.com national survey of large lenders. A basis point is one-hundredth of 1 percentage point. The mortgages in this week's survey had an average total of 0.4 discount and origination points. One year ago, the mortgage index was 5.15 percent; four weeks ago, it was 4.96 percent.

Read more: Mortgage analysis for Jan. 20 http://www.bankrate.com/finance/mortgages/mortgage-rates-remain-attractively-low.aspx#ixzz19IrBOrPd