 Year over year, a 30-year mortgage is slightly higher. Last year, at this time, it was 6.71. A 15-year rate increased fractionally to 6.16%, up from 6.13% last week. However, Freddie Mac's chief economist said he anticipates that mortgage rates will continue their downward trend during the summer. As we are past the halfway point on the market, they are sort of meandering. All are in positive territory this afternoon, but just barely. The market's all three up. Dan Ronan, WTOP News.