NEW YORK, Oct. 18, 2012 /PRNewswire/ -- Mortgage rates increased again this week with the benchmark 30-year fixed mortgage rate rising to 3.62 percent, according to Bankrate.com's weekly national survey. The average 30-year fixed mortgage has an average of 0.41 discount and origination points. (Logo: http://photos.prnewswire.com/prnh/20040122/FLTHLOGO) To see mortgage rates in your area, go to http://www.bankrate.com/funnel/mortgages/. The average 15-year fixed mortgage rate inched up to 2.91 percent and the larger jumbo 30-year mortgage dipped slightly to 4.18 percent. Adjustable mortgage also rose this week with the 5-year ARM jumping to 2.72 percent and the 7-year ARM to climbing to 2.85 percent. The last time mortgage rates were above 6 percent was Nov. 2008. At the time, the average 30-year fixed rate was 6.33 percent, meaning a $200,000 loan would have carried a monthly payment of $1,241.86. With the average rate now 3.59 percent, the monthly payment for the same size loan would be $911.54, a difference of $330 per month for anyone refinancing now. SURVEY RESULTS 30-year fixed: 3.62% -- up from 3.59% last week (avg. points: 0.41) 15-year fixed: 2.91% -- up from 2.88% last week (avg. points: 0.28) 5/1 ARM: 2.72% -- up from 2.68% last week (avg. points: 0.40) Bankrate's national weekly mortgage survey is conducted each Wednesday from data provided by the top 10 banks and thrifts in the top 10 markets. For a full analysis of this week's move in mortgage rates, go to http://www.bankrate.com. The survey is complemented by Bankrate's weekly Rate Trend Index, in which a panel of mortgage experts predicts which way the rates are headed over the next seven days. Two-thirds of the panelists expect mortgage rates to remain more or less unchanged in the next seven days, while 20 percent forecast an increase. Just 13 percent foresee a decline in mortgage rates over the coming week.