How is 2013 doing on the interest rate scene?  According to Freddie Mac, the first week of the new year opened at near record lows.  Rates for the week ended Jan. 3 averaged 3.34 percent for 30-year fixed loans.That’s nearly flat with the 3.35 percent last week but well off the 3.91 percent a year ago.  Fifteen-year fixed rate mortgages came in at 2.64 percent, down from 2.65 percent last week and 3.23  percent a year ago.