The average interest rate on 30-year fixed-rate mortgages crept up to 7.69 percent this week.

The average was up from 7.67 percent last week, according to a weekly survey released Thursday by Freddie Mac, the mortgage company.

Mortgages rates generally have been climbing this year. The 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, set in mid-August.

Fifteen-year mortgages, a popular option for refinancing, averaged 7.31 percent this week, slightly up from the average of 7.30 percent last week.

On one-year adjustable-rate mortgages, lenders were asking an average initial rate of 6.35 percent this week, up from 6.30 percent the previous week.

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

Separately, the Mortgage Bankers Association of America said that mortgage loan applications for the week ending Nov. 12 decreased 4.9 percent from the previous week and were down 38.4 percent compared with the same week last year.

PERSONNEL . . . Scott C. Price has been named senior vice president of Delta Associates, a real estate consulting and appraisal firm, part of Transwestern Co.

UPCOMING EVENTS . . . The deadline for applying for the National Housing Endowment's Lee S. Evans/NHE Scholarship, open to full-time students in construction management, is Dec. 1. For more information, call 1-800-368-5242, extension 483, or use the National Association of Home Builders' fax-on-demand system at 1-800-329-6242 and request document number 120 . . . The Greater Washington Commercial Association of Realtors' panel discussion, "Future Trends in Real Estate From the Client's Perspective," will be held Dec. 1 from 8:45 a.m. to noon at 1818 N St. NW, Suite T-50. Cost: $39 for members, before Nov. 25; $55 after. For more information, call the Education Department at 301-590-2000 . . . The Washington Building Congress will hold its holiday party Dec. 7 from 6 to 9 p.m. at the Columbia Country Club, 7900 Connecticut Ave., Chevy Chase. The cost is $80 for members and $90 for non-members. New and used children's book donations are welcome . . . The Washington Metropolitan Sales and Marketing Council will present "Armchair Tour of the Washington Market" Dec. 3 at 8:30 a.m. at the Fairview Park Marriott, 3111 Fairview Park Dr., Falls Church. The cost is $30 members and $35 for non-members. Contact Amy Willoughby at 703-968-7352 for more information . . . The Montgomery County Department of Permitting Services, Building Construction Division, will hold its next monthly open house session on commercial residential construction topics Dec. 15 from 2 to 4 p.m. at Metro Center, 255 Rockville Pike, Suite 140, Rockville. The next residential session will be Dec. 8. For details, call Shahriar Amiri at 301-217-6224.

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