WASHINGTON – Federal Reserve Chairman Ben Bernanke took advantage of historically low mortgage rates — brought down by the central bank’s near-zero interest rates — to refinance his Washington condominium last year, according to his annual government financial disclosures.

Bernanke and his wife, Anna, took out a new 30-year mortgage at 4.25 percent last year on the three-bedroom condominium in the nation’s capital that they have owned since 2004, according to the disclosure form he filed with the Office of Government Ethics, and property records.