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News for: Mortgage Rates
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Jul 7, 2025 9:41 AM
— Mortgage Rates
Mortgage and refinance interest rates today for July 7, 2025: How to handle a high-rate housing market
Today's mortgage interest rates have increased slightly, with the 30-year fixed rate at 6.59% and the 15-year fixed rate at 5.81%. To secure the lowest possible rate in a high-rate environment, consider shopping around for lenders, exploring different loan programs, and looking into VA loans or interest rate buydown options.
Jul 7, 2025 7:42 AM
— Mortgage Rates
Are Rates Low Enough to Consider Refinancing? Today's Mortgage Refi Rates, July 7, 2025
Current average mortgage rates are elevated, with little financial incentive for most homeowners to refinance in 2025. Experts predict a modest decline in rates with potential rate reductions by the Federal Reserve, but not immediately translating to lower mortgage rates. Refinancing can be beneficial, especially if you can reduce your interest rate by 1% or more, but it's essential to consider co... more
Jul 6, 2025 2:42 PM
— Mortgage Rates
Mortgage and refinance interest rates today, July 6, 2025: Refinance rates decrease
Mortgage rates on home purchases have increased, while refinance rates have decreased according to Zillow data. The 30-year fixed refinance rate is down by five basis points, and the 15-year fixed refinance rate has fallen by seven basis points. It may make sense to refinance if today's rates are significantly lower than what you currently have. Mortgage rates for home purchases have not changed m... more
Jul 5, 2025 2:43 PM
— Mortgage Rates
Mortgage and refinance interest rates today, July 5, 2025: Rates hold steady
Today's mortgage rates have increased slightly, with the average 30-year fixed mortgage rate rising to 6.59%. Steady mortgage rates are seen as beneficial for buyers looking to secure a rate, as they provide stability. The article discusses the rates for different types of mortgages, the pros and cons of 30-year fixed and 15-year fixed mortgages, as well as adjustable-rate mortgages. It also menti... more
Jul 4, 2025 2:45 PM
— Mortgage Rates
Rates decrease on mixed jobs report - Mortgage and refinance rates for today, July 4, 2025
Mortgage rates have decreased across all terms compared to a week ago. The latest jobs report suggests the Federal Reserve won't issue a rate cut this month. The rates for 30-year fixed, 15-year fixed, 5/1 ARMs, and jumbo loans have all moved lower. The average rates for different mortgage options are provided, along with insights on refinancing and buying a home.
Jul 4, 2025 3:00 AM
— Mortgage Rates
Mortgage and refinance interest rates today, July 4, 2025: Rates drop 28 basis points since last year
Mortgage interest rates have decreased for five straight weeks, with the 30-year fixed rate dropping by 10 basis points to 6.67% and the 15-year fixed rate falling by nine basis points to 5.80%. Economists do not expect rates to drop significantly by the year-end. Refinance rates are slightly higher than purchase rates. Various mortgage options, such as fixed-rate and adjustable-rate mortgages, ar... more
Jul 4, 2025 1:00 AM
— Mortgage Rates
Home Loan Rates Fall: Today's Mortgage Rates for July 4, 2025
The article discusses the current state of mortgage rates, predictions for future rate changes, and factors that influence mortgage rates such as inflation, labor market health, tariffs, and government borrowing. It highlights the importance of comparing offers to secure the lowest rate and preparing financially for potential rate fluctuations. The housing market remains unaffordable for many due ... more
Jul 3, 2025 9:00 PM
— Mortgage Rates
Assumable mortgages gain traction as Texas housing inventory spikes
With home inventory at a 14-year high and interest rates dissuading buyers, more North Texans are turning to assumable mortgages to take on sellers' lower rates. Real estate agents are reporting an increase in interest in assumable mortgages, where buyers can inherit the seller's lower rate. This trend allows buyers to lock in rates as low as 2.5%, resulting in significant monthly savings on mortg... more
Jul 3, 2025 3:00 PM
— Mortgage Rates
Mortgage rates are heading in a new direction. Is that good or bad for homebuyers?
Mortgage rates in the US have been steadily decreasing for the past five weeks, reaching 6.67% in early July. However, there are signs that this trend may be reversing, with rates starting to climb again. Factors such as a strong jobs report and the potential expiration of President Trump's tariff pause are contributing to the uncertainty in the market.
Jul 3, 2025 2:45 PM
— Mortgage Rates
Refis Pick Up Steam as Rate Relief Returns
Mortgage application activity increased last week as rates decreased to the lowest levels since April. Refinance applications rose 7% from the previous week, with a 40% increase compared to the same week last year. Purchase applications remained relatively flat. The average 30-year fixed rate dropped to 6.79%, leading to higher refinance activity and a rise in ARM share.
Jul 3, 2025 12:01 PM
— Mortgage Rates
Mortgage Rates Rose Less Than Expected After Employment Data
The hotly anticipated jobs report showed no rise in unemployment and a decline to 4.1%, along with a notable increase in the job count to 147k. This led to the bond market surging towards higher yields, indicating upward pressure on mortgage rates, although lenders were already getting in position for the data earlier in the week, which helped absorb most of the bond market movement without signif... more
Jul 3, 2025 12:00 PM
— Mortgage Rates
Mortgage rates just dropped for the fifth consecutive week. Here's what buyers should do now.
Mortgage interest rates have been declining for five consecutive weeks and are now at an average of 6.67% for a 30-year mortgage. There is a possibility of further rate reductions in the coming months, with expectations of a rate cut by the Federal Reserve. Homebuyers are advised to check their credit scores, research real estate agents, and get pre-approved for a mortgage loan in order to take ad... more
Jul 3, 2025 11:00 AM
— Mortgage Rates
Refinance applications surge as mortgage interest rates tick down
Americans are taking advantage of the opportunity to refinance their mortgages as rates fell to the lowest since April. Refinance applications increased by 7% compared to the previous week and were 40% higher than a year ago. Homeowners are eager to save money on housing costs, despite mortgage rates remaining in the 6-7% range for the past year.
Jul 3, 2025 10:00 AM
— Mortgage Rates
Average mortgage rate falls to lowest level since early April
The average rate on a 30-year U.S. mortgage fell for the fifth straight week to its lowest level since early April, providing potential buyers with lower borrowing costs. High mortgage rates have previously contributed to a sales slump in the housing market, but recent data suggests that sales could pick up in the coming months due to the decline in mortgage rates. Mortgage rates are influenced by... more
Jul 3, 2025 9:47 AM
— Mortgage Rates
Mortgage rates drop again but chance of Fed cut also falls
Mortgage rates have fallen below 6.7% for the first time since mid-April. Despite a slight drop, the rates remain at levels last seen in February. The 30-year fixed rate mortgage is still lower than it was for the same week last year.
Jul 3, 2025 9:01 AM
— Mortgage Rates
Mortgage rates fall for fifth straight week, lowest since mid-April
Mortgage rates have decreased for the fifth consecutive week, with the average rate on the benchmark 30-year fixed mortgage reaching its lowest level since mid-April. This decline is seen as encouraging by Freddie Mac's chief economist, as it may help improve affordability challenges in the housing market.
Jul 3, 2025 9:00 AM
— Mortgage Rates
When will mortgage rates go down? The outlook for the second half of 2025.
Freddie Mac reported a fifth consecutive week of decreasing mortgage interest rates, with current rates for 30-year fixed-rate mortgages at 6.67%. Despite the decreases, rates are still relatively high, and there is little indication that rates will drop significantly in the near future. Mortgage rates are influenced by the Federal Reserve's decisions and the 10-year Treasury yield, and buyers are... more
Jul 3, 2025 9:00 AM
— Mortgage Rates
Average long-term US mortgage rate falls to 6.67%, the lowest level since early April
The average rate on a 30-year U.S. mortgage fell for the fifth straight week to its lowest level since early April, providing optimism for potential home buyers. High mortgage rates have contributed to a sales slump in the U.S. housing market, with sales of new homes declining as well. However, recent data suggests a potential increase in sales in the coming months due to the recent decline in mor... more
Jul 3, 2025 9:00 AM
— Mortgage Rates
Mortgage rates drop for fifth straight week
Mortgage rates have dropped for the fifth consecutive week. The average 30-year fixed rate was 6.67% and the average 15-year rate was 5.80%. The decline in rates has led to more sellers entering the market and an increase in mortgage applications. Pending home sales have also seen a slight uptick. Federal Reserve is not expected to cut rates at its next meeting, after a resilient jobs report for J... more
Jul 3, 2025 5:00 AM
— Mortgage Rates
Most rates fall: Is now the best time to buy? - Today's mortgage and refinance rates, July 3, 2025
Mortgage interest rates, including rates for 30-year fixed, 15-year fixed, and jumbo loans, decreased due to a drop in the 10-year Treasury yield after geopolitical conflict. There are projections of potential rate cuts by the Federal Reserve, with some positive signs for homebuyers in terms of more homes for sale and stable mortgage rates. Refinancing decisions depend on current rates, future rat... more
Jul 3, 2025 3:01 AM
— Mortgage Rates
Mortgage Rates Move Down Amid Uncertainty
The article discusses the current state of mortgage rates, particularly in response to factors such as the Federal Reserve's decisions, President Trump's tariff policies, inflation rates, and market volatility. It also mentions how mortgage rates are influenced by investor appetite for 10-year Treasury bonds and how they are likely to move gradually rather than dramatically.
Jul 3, 2025 3:00 AM
— Mortgage Rates
Mortgage and refinance interest rates today, July 3, 2025: Higher as the budget bill and jobs report worry traders
Mortgage rates increased recently, with the average 30-year fixed rate at 6.58% and the 15-year fixed rate at 5.77%. Various factors such as the U.S. House's failure to pass a budget bill contributed to the bond market's volatility. Mortgage rates are significantly impacted by the economy and various mortgage terms are available, such as the popular 30-year and 15-year fixed-rate mortgages.
Jul 2, 2025 12:00 PM
— Mortgage Rates
Rates Finally Rise Ahead of Jobs Report
Mortgage rates, after falling consistently for over two weeks, increased by 0.06% today. However, rates are still at their lowest since early April. There is an expectation for rates to bounce back after a winning streak of 5-8 days. The upcoming jobs report and Inflation data could impact the Fed's decision on cutting rates this month, which will, in turn, affect mortgage rates. The market is ant... more
Jul 2, 2025 10:00 AM
— Mortgage Rates
Rates go down: Will they keep falling? - Current mortgage and refinance rates for July 2, 2025
Mortgage interest rates have decreased across the board, including rates for 30-year fixed, 15-year fixed, 5/1 ARMs, and jumbo loans. The drop in rates is attributed to the 10-year Treasury yield declining due to recent geopolitical conflicts. There is uncertainty regarding the future impact of tariffs and the job market, with predictions of the Federal Reserve cutting rates later in the year. Des... more
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The mortgage rates displayed on this site are collected daily from publicly available sources provided by more than 400 lenders. Mortgage-Rates.ai does not receive compensation for listing these rates, and all rates are presented as published by the respective lenders. While every effort is made to ensure accuracy, the information may contain errors or omissions. Mortgage rates are highly dependent on an individual’s financial circumstances, credit profile, loan terms, and other factors. As such, the rates you are quoted directly by a lender may differ materially from the rates displayed here.
Users should contact lenders directly to obtain formal, binding loan offers. If you identify any discrepancies in the data or would like to have your institution’s rates included, please contact us at content@mortgage-rates.ai
All logos, trademarks, and brand names appearing on this website are the property of their respective owners.
The mortgage rates displayed on this site are collected daily from publicly available sources provided by more than 400 lenders. Mortgage-Rates.ai does not receive compensation for listing these rates, and all rates are presented as published by the respective lenders. While every effort is made to ensure accuracy, the information may contain errors or omissions. Mortgage rates are highly dependent on an individual’s financial circumstances, credit profile, loan terms, and other factors. As such, the rates you are quoted directly by a lender may differ materially from the rates displayed here.
Users should contact lenders directly to obtain formal, binding loan offers. If you identify any discrepancies in the data or would like to have your institution’s rates included, please contact us at content@mortgage-rates.ai
All logos, trademarks, and brand names appearing on this website are the property of their respective owners.