30-year Fixed-Rate Mortgage (FRM) averaged 4.80% with an average 0.7 discount point for the week ending April 21, 2011, down from last week when it averaged 4.91 percent. Last year at this time, the 30-year FRM averaged 5.07%.  

At Guardian Mortgage, our 30 year fixed rate mortgage is at 4.875% with NO discount points!

Read more about weekly rates from Freddie Mac: http://freddiemac.mediaroom.com/index.php?s=12329&item=33883