HousingWire reports mortgage rates fell to a five-month low last week amid news of more unemployment claims filed, and as higher gasoline prices ate up more consumer spending, according to Bankrate.  Freddie Mac says the 30-year fixed rate mortgage (FRM) dropped to 4.71 percent, well below the five percent rate of one year ago.  The 15-year FRM hit a new low for the year at 3.89 percent.  The five-year Treasury indexed hybrid adjustable-rate mortgage (ARM), at 3.97 percent a year ago, was at 3.47 percent this past week.  The one-year Treasury-indexed ARM averaged 3.14 percent last week, down from 4.07 percent one year ago.  Bankrate said, “When investors get nervous they rotate into safe haven government bonds, to which mortgage rates are closely related.  The downswing in government bond yields had a corresponding benefit on mortgage rates.”