Filed under: Down in the Dumps By Michelle Goldchain@goldchainam Dec 18, 2014, 2:00pm EST The 30-year fixed-rate mortgage now average its lowest level of the year at 3.8 percent with an average 0.6 point. The last time the level was so low was in May 23, 2013 when it was 3.59 percent. [WaPo]