Rates had been rising for five straight weeks.Thirty-year fixed-rate mortgages averaged 6.35 percent this week, down 0.1 percent from last week, which had been the highest level since last September, Freddie Mac, the company, reported Thursday. In looking for the mortgage that's right for you, make your choice based on the best mortgage terms a lender can offer you. Don't settle for anything else. If possible, you can ask for mortgage advice from experts, real estate agents, and even your friends who have recently bought a home.