Rates on 30-year and 15-year mortgages fell this week, but are up considerably when compared with the same period last year.

Rates on 30-year fixed-rate mortgages averaged 6.25 percent, down from 6.32 percent last week, Freddie Mac said Thursday in its weekly nationwide survey. A year ago, rates averaged 5.24 percent.

Thirty-year mortgage rates hit a low this year of 5.38 percent for the week ended March 18. Since then, they have slowly moved upward.

Rates for 15-year fixed-rate mortgages averaged 5.64 percent, down from 5.70 percent last week, but up from the average rate of 4.63 percent registered a year ago.

One-year adjustable rate mortgages averaged 4.13 percent, unchanged from last week. A year ago, rates on one-year ARMs averaged 3.45 percent.

The nationwide averages for mortgage rates do not include add-on fees known as points. Thirty-year and 15-year loans each carried an average fee of 0.6 point this week, while one-year ARMs carried an average fee of 0.7 point.

AWARDS . . . The national Community Associations Institute this month recognized these members of the Washington chapter: Joe Douglass of Whiteford, Taylor & Preston, educator of the year; Howard Goldklang of Goldklang, Cavanaugh & Associates, author of the year; Peter Miller of Miller Dodson Associates, award of excellence in designations; Crystal Danielson of the Washington Metropolitan chapter, CED rising star award; and the group's Governance Structure Task Force, including local chapter members P. Michael Nagle of Nagle & Zaller and Peter Miller of Miller Dodson Associates, won the president's award.

EVENTS . . . Two lectures are scheduled next week at the National Building Museum, 401 F St. NW, Washington.

* "Boosting the Bottom Line & Community Prosperity," from 12:30 to 1:30 p.m. Tuesday, is a discussion of how business leaders use smart-growth policies and projects to gain significant results for their communities, customers, employees, and profitability. Ken Brown, executive director of the National Association of Local Government Environmental Professionals, and Jessica Cogan, deputy director of the Smart Growth Leadership Institute, are to explain a new report's findings. Admission is free.

* "Their Last Battle: The Fight for the National World War II Memorial," from 6:30 to 8 p.m. Wednesday, is to look at how a conversation in 1987 between a congresswoman and a constituent kicked off the drive to build National World War II Memorial. Author Nicolaus Mills is to chronicle the development of the National Mall. A book-signing of "Their Last Battle" (Basic Books) is to follow the discussion. Admission is $15; $10 for students. Registration is required. For information call 202-272-2448; Web site: www.nbm.org.

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