Freddie Mac published their national average mortgage rates and they are virtually unchanged. The average interest rate fell to 3.38% from 3.40% on a 30 year fixed loan. As long as the Fed keeps buying mortgages, things should remain unchanged. Analysts have talked about seeing higher interest rates in 2013, but it seems like it will be a slow crawl with the average interest rate ending up less than 4% for well qualified borrowers at the end of 2013.