Average 30-year mortgage rates fell slightly for the second week in a row and for the fourth time in the last five weeks.

According to the latest Freddie Mac Primary Mortgage Market Survey, the average rate for a 30-year fixed mortgage was 4.55 percent for the week ending June 28. That was down from 4.57 percent the week before, but still well above last year’s level of 3.88 percent.

The latest mark is down from the 4.66 percent average rate recorded in late May, so those who have delayed a home purchase so far this summer may benefit from lower financing costs.

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“The decrease in borrowing costs are a nice slice of relief for prospective buyers looking to get into the market this summer,” said Sam Khater, Freddie Mac’s chief economist. “Some are undoubtedly feeling the affordability hit from swift price appreciation and mortgage rates that are still 67 basis points higher than this week a year ago.”

He added: “The economy and housing market overall are on solid footing this summer, which should support continued strength in housing demand. Home price growth is still high, but is expected to moderate, and while sales activity has slowed, it’s primarily because of stubbornly low supply.”

Average 15-year fixed rates were unchanged from week-to-week, remaining at 4.04 percent.

The 5-year Treasury-indexed hybrid adjustable-rate mortgage (ARM) climbed from an average rate of 3.83 percent to last week’s 3.87 percent.