Thirty-year fixed-rate mortgages, which hovered around 7 percent before starting to rise, averaged 7.69 percent this week.

Thirty-year fixed-rate mortgages averaged 7.68 percent in March, up from 7.17 percent in February and 7.03 percent in January.

Thirty-year mortgages at below market rate and zero percent down will be made available to eligible buyers through the New Jersey Housing Mortgage Finance Agency for $70,000.

Thirty-year fixed-rate mortgages are being offered to buyers at 8.375 percent interest.

Thirty-year fixed-rate mortgages averaged 7.62 percent in March, up from 7.08 percent in February, but down from 8.46 percent last year.

Thirty-year fixed-rate mortgages averaged 7.93 percent in April, up from 7.62 percent in March, but rates were well below the 8.62 percent of April 1995, the Federal Home Loan Mortgage Corporation reported.

MORTGAGES - Thirty-year fixed-rate mortgages have already crept up by more than a percentage point over the last few months and now average about 6.3 percent.

Thirty-year fixed-rate mortgages averaged 8.08 percent this week, the Federal Home Loan Mortgage Corporation said yesterday.

Thirty-year fixed-rate mortgages, for example, have fallen from an average of 10.25 percent last October to just over 9.25 percent today, according to the Mortgage Bankers Association.

Thirty-year mortgages will need to be securitized.