HousingWire says fixed-rate mortgages (FRMs) dropped to their lowest rate since last November, suggesting that another decline in the housing market may be coming.  According to Bankrate, its survey of major lenders revealed the average 30-year FRM fell to 4.69 percent last week.  The average 15-year FRM declined to 3.88 percent and the jumbo 30-year FRM dropped to 5.16 percent.  The four-year and seven-year adjustable rate mortgages (ARM) also dropped.  FRMs are down for the seventh consecutive week, according to Freddie Mac.  The 30-year FRM dropped .05 percent to 4.55 percent, and the 15-year FRM fell .04 percent to 3.74 percent.  The American Bankers Association (ABA) says mortgage applications dropped four percent last week, signaling weak consumer confidence.