Weekly National Mortgage Survey

Results of Bankrate.com's Jan. 14, 2009, weekly national survey of large lenders

and the effect on monthly payments for a $165,000 loan:

30-year fixed

15-year fixed

5-year ARM

This week's rate:

5.28%

4.89%

5.51%

Change from last week:

-0.05

+0.04

-0.21

Monthly payment:

$914.20

$1,295.37

$937.89

Change from last week:

-$5.13

+$3.42

-$21.86

•      This week, almost half of the panelists believe mortgage rates will remain relatively unchanged (plus or minus 2 basis points) over the next 35 to 45 days. Another 31 percent think rates will fall, and the rest believe rates will rise.

Panel: