The Refinance Boom is not quite over yet...

30-year fixed-rate home mortgage rates averaged 3.53% nationwide for the third consecutive week, according to Freddie Mac's most recent Primary Mortgage Market Survey (PMMS).

The rate requires an above-average number of discount points, however.

Prospective homeowners and refinancing households wanting access to the Freddie Mac rate are expected to pay roughly 0.8 discount points along with a complete set of closing costs.

Loans with no discount points and zero-closing costs are available. .

The Freddie Mac report also showed the average 15-year fixed-rate mortgage rate idling at 2.77% nationwide. To lock this rate requires 0.8 discount points plus closing costs, an increase of 0.1 discount points from the week prior.

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