Daily U.S. Mortgage Rate Report and Analysis: June 19th 2025
David Garner
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Daily US Mortgage Rate Update: June 19, 2025
Published On: June 19th, 2025
Staying abreast of U.S. mortgage rates is paramount for international investors dedicated to maximizing their U.S. property investment returns. Today’s update brings a slight dip in average rates, continuing the trend of recent weeks. Understanding these subtle shifts and the underlying economic forces is key to making informed decisions, especially for those prioritizing consistent cash flow and long-term stability in their portfolios.
Key Takeaways Today:
- Slight Rate Decline: The benchmark 30-year fixed mortgage rate has seen a minor decrease, moving further below the 7% mark.
- Mixed Refinance Trends: While some refinance rates have slid down, movements vary across different loan types.
- Expert Forecasts Hold Steady: Leading economists continue to anticipate a moderation in rates throughout 2025 and 2026, though some remain cautious due to ongoing economic factors.
Today’s U.S. Mortgage Rates Overview (Purchase & Refinance)
Here’s a snapshot of the national average mortgage rates as of Thursday, June 19, 2025. These rates are compiled from surveys of major lenders and serve as a guide for prospective buyers and those considering refinancing.
Purchase Mortgage Rates:
| Loan Type | Rate (%) | 1W Change (%) | APR (%) | 1W Change (%) |
|---|---|---|---|---|
| 30-Year Fixed | 6.87 | -0.04 | 6.93 | -0.02 |
| 20-Year Fixed | 6.53 | N/A | 6.36 | N/A |
| 15-Year Fixed | 6.06 | -0.05 | 6.15 | 0.00 |
| 10-Year Fixed | 5.97 | -0.03 | 6.03 | N/A |
| 5/1 ARM | 6.08 | -0.08 | 6.44 | N/A |
| 30-Year Fixed FHA | 7.09 | N/A | 7.15 | N/A |
| 30-Year Fixed VA | 7.07 | N/A | 7.12 | N/A |
| 30-Year Fixed Jumbo | 6.84 | -0.06 | 6.89 | N/A |
(Source: Bankrate, June 19, 2025 and CNET, June 19, 2025)
Refinance Mortgage Rates:
| Loan Type | Rate (%) | 1W Change (%) | APR (%) | 1W Change (%) |
|---|---|---|---|---|
| 30-Year Fixed Refi | 6.91 | -0.10 | 6.97 | -0.10 |
| 15-Year Fixed Refi | 6.14 | -0.13 | 6.23 | -0.12 |
| 10-Year Fixed Refi | 6.03 | -0.01 | 6.10 | N/A |
| 5/1 ARM Refi | 6.32 | N/A | 6.55 | N/A |
(Source: CNET, June 19, 2025 and Investopedia, June 18, 2025)
In-depth Analysis and Commentary
Today’s slight decline in average mortgage rates offers a glimmer of relief to prospective homebuyers and investors in the United States. could gently ease affordability issues. The 30-year fixed rate, a key indicator, has moved marginally downward. This movement, however, is part of a broader trend of rates remaining elevated compared to pre-pandemic levels, consistently hovering between 6.5% and 7% for several months.
For international investors, these subtle shifts are important. While a return to exceptionally low rates isn’t anticipated in the immediate future, any sustained moderation helps to stabilize the market. Stability is crucial for long-term investment planning, particularly for properties aimed at generating consistent cash flow. The persistent demand in the rental market, often fuelled by ongoing affordability challenges for homebuyers, continues to underpin the value of well-chosen investment properties.
Expert Outlook on U.S. Mortgage Rates Through 2025-2026
What do leading economists predict for mortgage rates in the coming months and years? A consensus points towards moderation, but with varying degrees of optimism.
- Lawrence Yun, Chief Economist for the National Association of Realtors (NAR), forecasts mortgage rates to average 6.4% in the second half of 2025 and dip to 6.1% in 2026. He calls mortgage rates the “magic bullet” for the market, acknowledging their significant impact on affordability and sales volume. Yun believes “There’s a light at the end of the tunnel” as inflation moderates and job growth remains strong. (Source: National Mortgage Professional, June 11, 2025 and NAR.realtor, June 3, 2025)
- Selma Hepp, Chief Economist for CoreLogic, notes that mortgage rates are “unlikely to move outside the narrow range of 6.5% to 7% unless there’s an economic downturn or a spike in joblessness.” She highlights ongoing concerns about inflation and federal debt, which could keep 10-year Treasury yields (and thus mortgage rates) elevated. (Source: CNET, June 16, 2025 and The Mortgage Reports, June 18, 2025)
- Fannie Mae’s revised May 2025 forecast is slightly more optimistic, anticipating mortgage rates to drop to 6.1% by the end of 2025 and 5.8% by the end of 2026. (Source: Scotsman Guide, May 21, 2025)
These expert perspectives collectively suggest that while the era of historically low rates may be behind us for now, the market is adjusting to a new normal. This provides international investors with a clearer framework for assessing long-term profitability and identifying resilient investment opportunities.
Related: 5-Year Forecast for the U.S. Real Estate Market
Foreign National Mortgages: Key Financing Options for International Investors
For international investors seeking to finance U.S. property, understanding these specialized U.S. mortgage options for foreigners is essential for navigating the market effectively and ensuring consistent positive cash flow from your U.S. property investment.
| Loan Type | Key Features | Benefits for International Investors |
|---|---|---|
| Foreign National Mortgage | Designed for non-U.S. citizens/residents. – Typically requires larger down payments (e.g., 15-25%). – Underwriting often uses foreign credit history and income documentation. | Access to U.S. Market: Provides a direct path to financing U.S. properties without needing a U.S. credit score or established U.S. income.
Leverage: Allows investors to acquire multiple properties with less upfront capital than all-cash purchases. |
| DSCR Loan | Debt Service Coverage Ratio (DSCR): Qualifies the loan primarily based on the investment property’s projected rental income covering its expenses (PITI). – Often no personal income or employment verification required from the borrower. | Income-Driven Qualification: Ideal for international investors focused on consistent cash flow, as the property’s income capacity drives eligibility.
Streamlined Process: Simplifies underwriting by minimizing personal financial documentation, focusing on the asset’s performance. Portfolio Expansion: Easier to scale a portfolio as new loans don’t heavily rely on individual debt-to-income. |
Source: Cashflow Rentals
Related: Navigating U.S. Mortgage Rate Uncertainty as a Foreigner
Conclusion
Today’s marginal rate movements, coupled with expert forecasts, underscore a U.S. housing market that is adapting and finding its equilibrium. For international investors, this means a continued emphasis on strategic market selection. By focusing on fundamentally strong, affordable regions with robust rental demand, and by leveraging specialized financing tools, global property investors can confidently navigate the current landscape to achieve resilient portfolios and consistent cash flow for years to come.
Staying informed about these daily and projected market dynamics, and partnering with experienced local teams, remains the cornerstone of successful U.S. property investment.
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“Having personally invested in over 120 US rental properties from overseas, I know the true value of getting the right advice and support.
David Garner – Cashflow Rentals
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About the Author
David Garner has over 120+ personal property acquisitions in the U.S. real estate market as a Non-Resident Alien foreigner, bringing extensive practical experience to his insights. He specializes in guiding international investors through the complexities of the U.S. property landscape, focusing on cash flow opportunities, financing, and strategic wealth building. His deep understanding of the market, combined with his client-centric approach, makes him a trusted advisor for global investors seeking to establish and grow their U.S. real estate portfolio.
