Mortgage rates moved slightly lower this week, but not enough to motivate most buyers. The average rate on the 30-year fixed-rate mortgage fell five basis points to 6.79% the week ending Feb. 20, according to rates provided to NerdWallet by Zillow. A basis point is one one-hundredth of a percentage point.

To get the best mortgage rate, work to boost your credit score, lower your debt and save up a sizable down payment. Getting the best mortgage rate can save you money on interest over the life of the loan.