Fixed mortgage rates ticked up last week but remain near lows for the year, according to Freddie Mac's weekly survey of lenders.

The average rate for a 30-year loan hit 3.83 percent, up from its 2014 low of 3.8 percent last week, the mortgage finance giant said Wednesday. Lenders, on average, offered a 15-year fixed mortgage for 3.10 percent, compared to 3.09 percent a week earlier.

Experts expected mortgage rates to climb this year, but instead they're closing out below 2013 levels. A year ago, lenders offered a 30-year-fixed mortgage at 4.48 percent.

A variety of factors have pushed the cost of money down, including concerns over global economies.

Freddie Mac's survey asks lenders each week about the terms they offer low-risk borrowers on loans up to $417,000.

Actual rates are influenced by many factors, including a borrower's debt load and credit history.

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