Mortgage Rates Week Ending January 26

► 30-year fixed-rate mortgages: averaged 3.98 percent, with an average 0.7 point, up from last week’s low of 3.88 percent. A year ago at this time, 30-year rates averaged 4.80 percent.
 ►   15-year fixed-rate mortgages: averaged 3.24 percent, with an average 0.8 point, inching up after last week’s 3.17 percent average. Last year at this time, 15-year rates averaged 4.09 percent.
  ►  5-year adjustable-rate mortgages: averaged 2.85 percent, with an average 0.7 point, also up from last week’s 2.82 average. Last year at this time, 5-year ARMs averaged 3.70 percent.
  ►  1-year ARMs: averaged 2.74 percent this week, with an average 0.6 point--holding at last week’s 2.74 percent average. A year ago at this time, 1-year ARMs averaged 3.26 percent.