Mortgage rates have fallen to 5.19% on 30-yr mortgages, according to Freddie Mac's December 18 Weekly Primary Mortgage Survey. This is fallen from a high of 6.46% in their October 30 Survey. HSH Associates has slightly higher rates. They show a 30-yr fixed rate at 6.1%*, but the trend is still down. Adjustable Rate Mortgages are also down, and the amount above the index is also down. 5/1 ARMs were down to 5.60%, one year ARMs were down to 4.94%.