Interest.com's weekly survey of major lenders, taken Nov. 18, found the average interest rate for a:

30-year, fixed-rate loan fell to 5.06% from 5.19% last week. A year ago, it was 6.33%.

15-year, fixed-rate loan fell to 4.48% from 4.61%. A year ago, it was 6.01%.

30-year, fixed-rate jumbo loan -- loans for more than $417,000 to $729,500, depending on the market -- fell to 5.95% from 6.24%. A year ago, it was 7.62%.

One-year, adjustable-rate loan rose to 5.39% from 5.37%. A year ago, it was 5.78%.

Five-year, adjustable-rate loan held at 4.58% for the second week. A year ago, it was 6.18%.

Our database of mortgage rates can help you find the best deals in your area, including many that are less costly than these national averages.

Whether you're buying a home or refinancing an existing mortgage, we have a mortgage calculator that can help you make the right decisions.

By Carolyn Seigel

Interest.com Associate Editor