Homes that are listed for rent or lease.

The average long-term U.S. mortgage rate fell for the fourth consecutive week and has dropped more than three-quarters of a point since hitting a 20-year high last month. This fourth week in a row of declines is leaving prospective buyers hopeful for sustained low rates throughout spring homebuying season.

Mortgage buyer Freddie Mac reported Thursday that the average on the benchmark 30-year rate dipped to 6.33% from 6.49% last week. A year ago, the average rate was 3.1%.

The average long-term rate sat at 7.08% in early November but has since had the steepest 4-week decline since 2008.

“Though week-to-week rate changes can move up and down, the longer-term prospect on rates is for further improvement, with a clear possibility of going under…

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