Mortgage rates declined in the week ending Dec. 15, according to Freddie Mac's weekly survey. 30-year rates fell five basis points to 3.94% with an average 0.8 point, matching its all time low set in the week ending Oct. 6.

With the no-point rate at 4.14%, borrowers underlying 4.5% and some 4.0% coupons are within the refinancing window again.

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