Results from Freddie Mac's Primary Mortgage Market Survey show that fixed mortgage rates have met or are near all-time-lows.

The 30-year-fixed matched the average all-time record low of 3.94 percent for the week ending December 15. This number is down from last week when it averaged 3.99 percent and much lower than last year's reported 4.83 percent.

A new record was set for 15-year-fixed mortgage rates, at 3.21 percent. This is down from last week's average of 3.27 percent and 4.17 percent reported this time last year. The previous record was recently set in October of this year.

The 5-year-adjustable-rate mortgage also set a new all-time record low at 2.86 percent.

"Mortgage rates were at of near all-time record lows this week amid a rough environment for housing," said Frank Nothaft, Freddie Mac's vice president and chief economist of Freddie Mac.

Many economists predict that the continuance of low mortgage rates and new record-lows will help convince potential homebuyers that owning a home is more affordable than ever.