According to data released Thursday by Freddie Mac, the 30 year fixed rate average dropped to 4.51 percent with an average 0.5 point. (Points are fees paid to a lender equal to 1 percent of the loan amount.) It was 4.55 percent a week ago and 3.95 percent a year ago. The 30 year fixed rate has gone down 43 basis points in less than two months.

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