The average interest rate on 30-year fixed-rate mortgages held steady at 7.84 percent this week, unchanged from last week, according to a weekly survey released Thursday by Freddie Mac. However, other mortgage rates edged down.

Mortgages rates have generally moved higher this year. The average rate on a 30-year mortgage has ranged from a low of 6.74 percent in January to a high of 8.15 percent in August.

Fifteen-year mortgages, a popular option for refinancing, averaged 7.45 percent this week, down slightly from the average of 7.46 percent last week.

On one-year adjustable-rate mortgages, lenders were asking an average initial rate of 6.45 percent this week, also down from 6.49 percent the previous week.

Meanwhile, the Mortgage Bankers Association of America said that mortgage loan applications for the week ending Dec. 3 increased 31.9 percent from the previous week and were down 49.9 percent compared with the same week last year.

PERSONNEL . . . David D. Flanagan was elected president of the Maryland-National Capital Building Industry Association for the year 2000 . . . John Anania, project executive with the Washington office of Bovis Construction Corp., has been elected to the board of directors of the Baltimore Metro Chapter of Associated Builders and Contractors for 2000.

AWARDS . . . Frederic F. Case, founder of Case Design/Remodeling Inc. of Bethesda, won Remodeling magazine's national Foundation Award as Remodeler of the Year, based on his career in the industry . . . Builder magazine selected Eakin/Youngentob Associates of Arlington as the winner of America's Best Builder Award, 151 to 400 units category, recognizing overall excellence in running a business.

UPCOMING EVENTS . . . The deadline for season tickets to the Maryland-National Capital Building Industry Association 2000 General Membership Dinner Meeting Series is Jan. 25. The cost is $50 per ticket or $420 for a set of 10. The first meeting is scheduled for Jan. 27. For more information and a schedule, contact Kathy Rockinberg at 301-445-5406 . . . The Greater Baltimore Board of Realtors will sponsor the following continuing education courses this week at its Baltimore area office at 1306 Bellona Ave., Lutherville, Md.: Monday, Appraisal Class, 6:30 to 9:30 p.m.; Tuesday, "Lead Paint Regulations," 12:30 to 3:30 p.m.; Wednesday, "Residential Contract Review," 1 to 4 p.m.; Thursday, "Legislative Update," 6 to 9 p.m.; Friday, "Nehemiah Financing," 9:30 to 11 a.m. If you pre-register, the cost ranges from $20 to $45 for members and $40 to $60 non-members; additional $5 at the door. For more information, call 410-337-7200. There also will be a program Thursday on "Enhancing Your Business Using MRIS," from 9:30 a.m. to 4:30 p.m. The cost is $99. To register, call 1-800-838-8138, option 2.

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