Fixed mortgage rates dropped incrementally this week and remained near record lows, which has kept homes’ affordability high, Freddie Mac reported Dec. 13 in its weekly Primary Mortgage Market Survey.

The 30-year fixed-rate decreased 0.02 percentage points to 3.32 percent (down from 3.94 percent a year ago). The 15-year fixed-rate also fell by 0.01 percent to 2.66 percent (down from 3.30 percent a year ago).

The one-year adjustable-rate mortgage fell 0.02 percentage points to 2.53 percent (down from 2.81 percent a year ago). The five-year Treasury-indexed adjustable-rate increased 0.01 percentage points, however, to 2.70 percent (down from 2.86 percent a year ago).

“Mortgage rates held relatively steady following the November employment report,” Frank Nothaft, Freddie Mac vice president and chief economist, said in a news release. “The unemployment rate fell from 7.9 to 7.7 percent. However, in its Dec. 12 monetary policy statement, the Federal Reserve noted that this rate remains elevated, and modified the statement to tie any increases to its target rate to the unemployment rate falling below 6.5 percent.”

View Freddie Mac’s weekly Primary Mortgage Market Survey.