According to Freddie Mac’s recent Primary Mortgage Market Survey ® (PMMS®), the average 30-year fixed-rate mortgage (FRM) ducked beneath four percent to 3.98 percent amid ups and downs on the home front and overseas. The survey also indicates the average 15-year FRM declined to 3.17 percent, the 5-year Treasury-indexed hybrid adjustable-rate mortgage (ARM) moved down to 2.95 percent, and the …