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Mortgage rates have flatlined around a two-year low, according to data from the mortgage-finance company Freddie Mac. The average rate for a 30-year fixed-rate loan has hovered around 3.75 percent. Rates may vary due to a change in the Prime Rate, a credit limit below $100,000, a loan- to-value (LTV) above 70%, and/or a credit score less than 730.