Average U.S. long-term mortgage rates fell this week, retreating from highs for the year and amplifying the incentive for prospective home buyers.

Average U.S. long-term mortgage rates fell this week, retreating from highs for the year and amplifying the incentive for prospective home buyers.

Here's a look at rates for fixed- and adjustable-rate mortgages this week and over the past year:

Current avg.Last week52-week high52-week low30-year fixed4.04 percent4.09 percent4.23 percent3.59 percent15-year fixed3.21 percent3.25 percent3.37 percent2.92 percent5-year adjustable2.97 percent2.96 percent3.08 percent2.82 percent1-year adjustable2.54 percent2.50 percent2.59 percent2.35 percent