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Feeling a little laid-back lately? The same goes for mortgage rates -- so if you're thinking of buying a home, it's time to get off the couch or out of that hammock.

Rates are holding, but are expected to go higher.

After climbing straight up during much of April, the average rate on a 30-year fixed-rate mortgage is unchanged this week at 4.55%, says mortgage company Freddie Mac.

The loans in Freddie Mac's survey come with an average 0.5 point.

One year ago, the benchmark mortgage rate was averaging 4.05%.

Why rates are doing what they're doing

Last month, mortgage rates were soaring to the highest levels in more than four years. But lately, they've been on "pause," says Sam Khater, Freddie Mac’s chief economist.

"The minimal movement of mortgage rates in these last three weeks reflects the current economic nirvana of a tight labor market, solid economic growth and restrained inflation,” Khater says.

He's predicting a "robust" summer homebuying season, though he says this year’s higher mortgage rates have put pressure on the budgets of some home shoppers.

Financial markets indicate it's pretty much a sure thing that the Federal Reserve will raise interest rates next month. That could keep mortgage rates moving up.

Freddie Mac forecasters expect 30-year mortgage rates will hit 4.9% late this year.

This week's other mortgage rates

Freddie Mac says rates on 15-year mortgages have ticked down this week to an average 4.01%, from 4.03% last week%. A year ago, the average on those shorter-term home loans was just 3.29%.

And, 5/1 adjustable-rate mortgages — with rates that hold steady for five years and then can rise (or fall) each year after that — are now being offered with initial rates averaging 3.77%, up from last week's 3.69%.

At this time last year, those ARMs were averaging 3.14%.

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