Rates for home loans jumped in the latest week following a smaller rise in U.S. Treasury yields, mortgage provider Freddie Mac said Thursday, yet they remain pinned below the closely watched 4% threshold.

The 30-year fixed-rate mortgage averaged 3.91% in the Oct. 12 week, while the 15-year fixed-rate mortgage averaged 3.21%. Both products rose six basis points during the week. The 5-year Treasury-indexed hybrid adjustable-rate mortgage averaged 3.16%, versus 3.18% during the prior week.

Mortgage rates fell below the key 4% line in early July and have remained there even as the current week’s move marked the fifth-straight week of increases or flat readings. Most housing experts expected mortgage rates to move above post-crisis lows during 2017, but so far the benchmark 30-year fixed has averaged just 4.01% this year.

Also read: The ‘pressure cooker’ housing market keeps defying forecasts

Unsettled geopolitics are keeping demand for safe assets like government paper high, which pushes yields down. The 10-year Treasury












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 , which mortgage rates track, may resume its slide in the coming week in the wake of a more dovish tone from the Federal Reserve than investors had anticipated.

Related: December rate hike might not be automatic, minutes of last month’s meeting show



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