Freddie Mac’s (FRE) survey of mortgage rates saw a key long-term fixed rate dip back below 5% this week. Freddie Mac said the average rate for a 30-year fixed-rate mortgage (FRM) was 4.98% with an average 0.7 point, down from an average 5.03% the previous week. One year ago, the average rate for a 30-year FRM was 5.88%, Freddie said. Bankrate.com’s survey of major US banks and thrifts put the 30-year FRM 5.35% with a 0.31 point, even from the previous week. A year ago, Bankrate.com’s survey was 6.44%. Freddie Mac said the average rate for a 15-year FRM was 4.4% with an average 0.6 point, down from 4.46% the previous week. A year ago, the rate was 5.88%. Bankrate.com said the 15-year FRM was 4.72%, down from $4.74% in the previous week. Freddie said the five-year Treasury-indexed adjustable-rate mortgage (ARM) was 4.35% this week, with an average 0.6 point, down from last week’s 4.42%. Freddie put the one-year Treasury-indexed ARM averaged 4.47% with an average 0.5 point, down from last week when it averaged 4.57%. At this time last year, the 1-year ARM averaged 5.25%. Bankrate.com put the five-year ARM 4.64% this week, even from the previous week. Write to Austin Kilgore.