Daily US Mortgage Rate Update: June 11th – Slight Dip Across Most Loan Types

David Garner

Published On: June 11th, 2025

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🏠US Mortgage Rates Today, June 11, 2025: Rates Hold Steady with Slight Dips, Favorable for Foreign Investors

By David Garner

As of June 11, 2025, the US mortgage market is seeing a relatively stable day, with the benchmark 30-year fixed-rate mortgage holding firm and other key rates experiencing only minor shifts. This consistent environment provides a degree of predictability for both domestic homebuyers and, crucially, for international investors looking to expand their real estate portfolios in the United States. Today’s movements reinforce the continued viability of US property investments for those seeking passive income and long-term growth.

Today’s Mortgage Rates (Updated: June 11, 2025)

Here’s a look at the current average mortgage rates across various common loan types:

Loan Type	Current Rate	Change from Yesterday	Points
30-Year Fixed	6.95%	-0.05%	0.5
15-Year Fixed	6.30%	-0.04%	0.5
5/1 ARM	6.60%	-0.06%	0.5

Source: Zillow. Rates are average and subject to change based on lender, borrower qualifications, and market conditions.

Mortgage Rate Trends

This table provides a snapshot of how current mortgage rates have changed over different periods, offering insight into recent market movements:

Loan Type	1-Day Change	1-Week Change	1-Month Change	1-Year Change
30-Year Fixed	-0.05%	-0.15%	-0.30%	+0.25%
15-Year Fixed	-0.04%	-0.10%	-0.25%	+0.20%
5/1 ARM	-0.06%	-0.20%	-0.35%	+0.15%

Daily Average 30-Year Fixed Mortgage Rates

Here’s a look at the recent historical performance of the 30-Year Fixed Mortgage Rate:

Date	Rate	Change
June 11, 2025	6.95%	-0.05%
June 10, 2025	7.00%	-0.02%
June 09, 2025	7.02%	+0.01%
June 08, 2025	7.01%	-0.03%
June 07, 2025	7.04%	-0.01%

15-Year Fixed Mortgage Rates History

A brief history of the 15-Year Fixed Mortgage Rate:

Date	Rate	Change
June 11, 2025	6.30%	-0.04%
June 10, 2025	6.34%	-0.01%
June 09, 2025	6.35%	+0.02%
June 08, 2025	6.33%	-0.02%
June 07, 2025	6.35%	-0.01%

5/1 ARM Mortgage Rates History

A brief history of the 5/1 ARM Mortgage Rate:

Date	Rate	Change
June 11, 2025	6.60%	-0.06%
June 10, 2025	6.66%	-0.03%
June 09, 2025	6.69%	+0.01%
June 08, 2025	6.68%	-0.04%
June 07, 2025	6.72%	-0.02%

Trends and Analysis

The minor fluctuations observed today suggest a market digesting recent economic data without any major shocks. While overall rates remain elevated compared to historical lows, the stability is a welcome sign. For foreign investors, predictable rates allow for more accurate financial modeling and greater confidence in projected returns. We continue to see robust rental demand in many US markets, which underpins the attractiveness of investment properties even at these rate levels.

US Mortgage Rates for Foreign Nationals

For our international clients from the UK, Canada, and Australia, today’s rates present a consistent landscape for financing US real estate. Specialized loan products cater specifically to non-resident investors, offering unique advantages over traditional mortgages.

Here’s a breakdown of current rates and key terms for foreign national mortgage options:

Loan Type	Current Rate Range	Change from Yesterday	Points (Typical)	LTV (Typical)	Min. Loan Size	Key Feature for Foreigners
DSCR Loan	6.75% to 8.5%	N/A	1.0	75%	$75,000	No US Credit History Required
Foreign National Loan	6.75% to 7.75%	N/A	1.0	85%	$100,000	Accepts Foreign Income/Assets

Rates are average and subject to change based on lender, borrower qualifications, and market conditions.

DSCR (Debt Service Coverage Ratio) Loans, with rates typically ranging from 6.75% to 8.5%, continue to be a favored option due to their focus on the investment property’s cash flow (requiring a minimum loan size of $75,000) rather than personal US credit or income. They commonly feature a Loan-to-Value (LTV) of 75%. Traditional Foreign National Loans, with rates typically from 6.75% to 7.75%, are suitable for those who meet more extensive documentation requirements. These loans offer a competitive LTV of approximately 85% and generally require a minimum loan size of $100,000. Our analysis indicates that specialized lenders continue to offer competitive terms for these unique products, reflecting a growing understanding of the foreign investor market.

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About David Garner

David Garner is the founder of Cashflow Rentals and a seasoned investor with over 120 US rental properties personally financed and managed from overseas. His expertise is dedicated to guiding foreign investors, particularly from the UK, Canada, and Australia, through the complexities of the US real estate market, sourcing high quality investment properties, specialist financing options.

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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

Frequently Asked Questions (FAQs) About US Mortgage Rates for Foreign Investors

Q: How do today’s US mortgage rates impact my return on investment as a UK investor?

A: While rates are a key factor, your ROI is also heavily influenced by property cash flow, appreciation potential, and market conditions. Slightly lower rates, like today’s minor dips, can incrementally improve your net operating income and overall returns.

Q: Do foreign national mortgage rates always move in sync with general US mortgage rates?

A: Often, yes, as they are both influenced by broader economic factors like inflation and Treasury yields. However, foreign national and DSCR loan rates can also be affected by specific lender risk appetites and the demand within this specialized market segment, leading to slight variations.

Q: What is the typical down payment required for a DSCR loan for foreign investors?

A: For DSCR loans, foreign investors typically require a down payment of around 25% of the property’s purchase price (given the 75% LTV), in addition to funds for closing costs and reserves.

Q: Can I lock in today’s rate if I’m still searching for a property?

A: Rate lock policies vary by lender. Some lenders may offer a “float down” option or a limited lock period. It’s best to discuss rate lock strategies with your specialized foreign national mortgage lender once you are pre-approved or have identified a property.

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.