adcelannotate = {"mobilepaywallcategory" : "MOBILE_PREM-BUSINESS","nativepaywallcategory" : "NATIVE_PREM-BUSINESS"};WASHINGTON -- Average long-term U.S. mortgage rates fell this week, retreating from highs for the year and amplifying the incentive for prospective home buyers. Mortgage giant Freddie Mac said today the average rate on a 30-year fixed-rate mortgage declined to 4.04 percent from 4.09 percent a week earlier.