Thirty-year and 15-year fixed mortgage rates fell two basis points each and the 5/1 ARM was unchanged, according to a NerdWallet survey of daily mortgage rates published by national lenders Friday morning. Which mortgages are less likely to end up in default: fixed-rate or adjustable-rate loans? Believe it or not, today's ARMs are less risky, according to an analysis by Archana Pradhan, senior professional economist for CoreLogic.

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