Mortgage Rates 📢 June 16th, 2025

INTEREST RATES

10 year 3 – Month Snapshot

Rate data as of morning of publication. Unless noted otherwise, all scenarios are assuming 30 Year-Fixed mortgage, Purchase or R/T Refinance. No origination points charged, 780 FICO score, and 20% down payment. Provided for consumer education only and does not serve as a binding offer to extend lending. Payment period, interest rate, APR, and other terms subject to income, asset, and credit profile qualification. Provided courtesy of GTG Financial, Inc. NMLS 1595076. Equal housing opportunity. www.nmlsconsumeraccess.org

Why This Matters

• 🚦 Rates are stuck — We’ve been bouncing in the same range for weeks. No big moves until the market gets clearer data.

• 📉 Inflation cooled, but no big rate drop — Last week’s reports were softer, but bonds didn’t rally much. That’s not a great sign.

• 🧱 Bond market keeps hitting a ceiling — Every time yields approach 4.60%, they hit resistance and fall back. That’s keeping mortgage rates from improving.

• 👀 Next move depends on jobs and growth — Inflation looks better, so now it’s all about unemployment and consumer data.

🔎 Realtor Insight:

Buyers got a small break on high-balance and jumbo rates. But if they’re close on qualifying, don’t wait — rates aren’t falling fast.