WASHINGTON - The 30-year fixed-rate mortgage averaged 6.04% with an average 0.7 point for the week ending Nov. 20, 2008, down from last week when it averaged 6.14%. Last year at this time, the 30-year FRM averaged 6.20%.

Freddie Mac today released the results of its Primary Mortgage Market Survey.

The 15-year fixed-rate mortgage this week averaged 5.73% with an average 0.7 point, down from last week when it averaged 5.81%. A year ago at this time, the 15-year FRM averaged 5.83%.

Five-year Treasury-indexed hybrid adjustable-rate mortgages averaged 5.87% this week, with an average 0.6 point, down from last week when it averaged 5.98%. A year ago, the 5-year ARM averaged 5.88%.

One-year Treasury-indexed ARMs averaged 5.29% this week with an average 0.5 point, down from last week when it averaged 5.33%. At this time last year, the 1-year ARM averaged 5.42%.

One-quarter of Bankrate.com's mortgage panelists said they believe mortgage rates will remain unchanged over the next 35 to 45 days. The rest are evenly split among those who predict that rates will rise, and those who think rates will fall.