Mortgage rates are way below their peak. Americans are swooping inMortgage rates are way below their peak. Americans are swooping in 

The standard, 30-year fixed-rate mortgage averaged 6.49% this week, up slightly from the prior week’s level, Freddie Mac reported Thursday. But that’s still well below this year’s peak and the two-decade high last fall — and that appears to be enough to entice homeowners to refinance.