REAL ESTATE

30-Year Fixed-Rate Mortgages Dip: They averaged 8.14% this week, down from 8.29% last week, according to a national survey released by the Federal Home Loan Mortgage Corp. It was the lowest since May 30, when rates averaged 8.03%. Rates had averaged 8.39% June 13, highest since 8.41% during the week ended April 6, 1995. On one-year adjustable-rate mortgages, lenders were asking an average initial rate of 5.94%, down from 5.98% last week. Fifteen-year mortgages, a popular option for people who are refinancing, averaged 7.67% this week, down from 7.82% a week earlier. The rates do not include add-on fees, known as points.