The Fiscal Cliff negotiations earlier this year created new tax breaks for homeowners, and extended others.
Mortgage rates rose during the first week of 2013.
Mortgage bonds improved last week, pushing mortgage rates lower nationwide.
Freddie Mac reported the average 30-year fixed rate mortgage rate at 3.37 percent -- an increase of 0.05 percentage points from the week prior.
Mortgage bonds worsened last week as Fiscal Cliff talks moved closer to resolution and as the U.S. economy showed continued signs of growth.