Mortgage rates hit a 2015 high when the national average rate on a 30-year fixed-rate mortgage hit 4.08% earlier this week, according to Freddie Mac's weekly survey. That's lower than where the U.S. average was at this time last year (4.12%), but home loan pricing (rates, loans and fees, taken together) has been on the rise for most of 2015, pushing homeownership out of reach for many Americans, as the cost of a mortgage creeps up.

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