The average interest rate on 30-year fixed-rate mortgages edged down to 7.80 percent this week.

The average was down from 7.93 percent last week, according to a weekly survey released Thursday by Freddie Mac, the McLean-based mortgage company.

Mortgages rates generally have been climbing. So far this year, average rates on a 30-year mortgage have hit a low of 6.74 percent set at the end of January and a high of 8.15 percent two weeks ago.

Fifteen-year mortgages, a popular option for refinancing, averaged 7.43 percent this week, down from the average of 7.53 percent last week.

On one-year adjustable-rate mortgages, lenders were asking an average initial rate of 6.22 percent this week, up from 6.18 percent the previous week.

The rates do not include add-on fees known as points, which averaged about 1 percent of the loan amount for all three types of mortgages.

The Mortgage Bankers Association, meanwhile, said that mortgage loan applications for the week ending Aug. 20 were down 1.9 percent from the previous week and down 22.5 percent compared with the same week last year.

PERSONNEL . . . W.C. & A.N. Miller Cos. of Washington named Michael R. Wilson president of Miller Home Services, the firm's new handyman and remodeling service.

UPCOMING EVENTS . . . The Blairs Apartment Community in downtown Silver Spring will hold a country-style market, with produce and crafts, today from noon until 5 p.m. The community is adjacent to the Silver Spring Metro station. For more information, call 240-876-4918 . . . The Mortgage Bankers Association of Washington will hold its 18th Annual Income Property Seminar from 1 to 5 p.m. Sept. 16 at the International Trade Center in the Ronald Reagan Building, 1300 Pennsylvania Ave. NW. The program will examine the changes in the commerical and multifamily real estate finance industries and their effect on debt and equity investors. Cost: $90 if registered before Sept. 3, $110 after Sept. 3. For more information, call 301-924-0633.

Send realty announcements to Brian Krebs, Real Estate Notes, The Washington Post, 1150 15th St. NW, Washington, D.C. 20071.