Average mortgage rates remained constant according to the LendingTree Weekly Mortgage Rate Pulse, which tracks the lowest and average mortgage rates offered by lenders on the LendingTree network.

On July 19, average home loan rates offered by LendingTree network lenders were 4.77% (4.94% APR) for 30-year fixed mortgages, 4.00% (4.25% APR) for 15-year fixed mortgages and 3.56% (3.67% APR) for 5/1 adjustable rate mortgages (ARM). Average rates for 30-year fixed loans showed no fluctuation week-over-week while 5/1 ARMS increased slightly and 15-year fixed mortgage rates fell slightly.

On the same day, the lowest mortgage rates offered by lenders on the LendingTree network were 4.375 percent (4.51% APR) for a 30-year fixed mortgage, 3.375 percent (3.61% APR) for a 15-year fixed mortgage and 2.625 percent (3.00% APR) for a 5/1 ARM.

''With FHA and conforming loan limits set to move lower in October, consumers who are looking to refinance or purchase a home above the current limits should consider shopping for a home loan now," said Mona Marimow, senior vice president at LendingTree.com. "Borrowers could face higher down payments and interest rates, as well as more stringent loan qualifications if their loan amount is above the new government limit. Consumers in higher-priced areas of the country will be the most affected. Fortunately these issues are being brought to attention now, and consumers still have time to explore their options and take advantage of today's low rates."