US Mortgage Rates June 10th 2025 – Another Daily Decline

David Garner

Published On: June 10th, 2025

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🏠USA Mortgage Rates – June 10, 2025: Slight Dip in Rates Offers Relief for Buyers and Refinancers

As of June 10, 2025, mortgage rates have ticked down slightly, offering a modest but welcome reprieve for both homebuyers and homeowners considering refinancing. According to Zillow, the average 30-year fixed mortgage rate is now 6.98%, down from 6.99% last week. Refinance rates also saw a decline, with the 30-year fixed refinance rate dropping to 7.16% from 7.25%.

While minor, these adjustments could prove meaningful for borrowers looking to lock in better terms in a volatile interest rate environment.

🔍 Key Takeaways

30-Year Fixed Mortgage Rate: 6.98% (down 0.01%)
30-Year Fixed Refinance Rate: 7.16% (down 0.09%)
15-Year Fixed Mortgage Rate: 6.07% (up 0.01%)
5-Year ARM Mortgage Rate: 7.38% (down 0.24%)
Market Context: Falling bond yields amid cautious investor sentiment could support more rate declines.
Outlook: Experts anticipate relative rate stability through Q3 2025, with potential gradual declines by year-end.

📈 Mortgage Rate Overview: June 10, 2025

Understanding current rates is essential for making informed mortgage decisions. Here’s a breakdown by loan type:

🏡 Conforming Loans

Loan Type	Rate	1W Change	APR	1W Change
30-Year Fixed	6.98%	↓ 0.01%	7.44%	↓ 0.01%
20-Year Fixed	6.80%	↓ 0.02%	7.29%	↑ 0.05%
15-Year Fixed	6.07%	↑ 0.01%	6.37%	↑ 0.01%
10-Year Fixed	6.16%	↑ 0.23%	6.52%	↑ 0.35%
7-Year ARM	8.41%	↑ 0.60%	8.75%	↑ 0.52%
5-Year ARM	7.38%	↓ 0.24%	7.88%	↓ 0.12%

🏛 Government-Backed Loans

Loan Type	Rate	1W Change	APR	1W Change
30-Year Fixed FHA	6.92%	↑ 0.01%	7.96%	↑ 0.01%
30-Year Fixed VA	6.45%	—	6.66%	↓ 0.01%
15-Year Fixed FHA	5.88%	↑ 0.20%	6.87%	↑ 0.20%
15-Year Fixed VA	5.94%	↓ 0.04%	6.30%	↓ 0.02%

💼 Jumbo Loans

Loan Type	Rate	1W Change	APR	1W Change
30-Year Fixed Jumbo	7.35%	↓ 0.07%	7.76%	↓ 0.04%
15-Year Fixed Jumbo	6.35%	↓ 0.41%	6.67%	↓ 0.35%
7-Year ARM Jumbo	7.53%	—	8.06%	—
5-Year ARM Jumbo	8.28%	↑ 0.61%	8.40%	↑ 0.34%

💡 What Today’s Rates Mean for Borrowers

While mortgage rates remain elevated compared to pre-2022 norms, today’s slight dip is a signal of potential stabilization ahead. With inflation softening and the Fed adopting a more cautious stance, markets are pricing in the possibility of modest rate declines heading into Q4.

If you’re planning to buy a home or refinance in 2025, locking in a rate now might make sense—especially if inflation trends lower or recession concerns increase.

🔁 Refinance Rates – June 10, 2025

Loan Type	Rate	1W Change	APR	1W Change
30-Year Fixed	7.16%	↓ 0.09%	7.44%	↓ 0.01%
20-Year Fixed	6.80%	↓ 0.02%	7.29%	↑ 0.05%
15-Year Fixed	6.13%	↑ 0.06%	6.37%	↑ 0.01%
10-Year Fixed	6.16%	↑ 0.23%	6.52%	↑ 0.35%
5-Year ARM	8.20%	—	8.20%	—

With refinance rates slightly declining, homeowners may find a window of opportunity to reduce monthly payments or consolidate debt. However, borrowers should weigh the closing costs and break-even timeline carefully.

🌎 U.S. Mortgage Rates for Foreigners

Foreign nationals investing in U.S. real estate typically access financing through specialized loan programs. These loans carry different terms than domestic conforming loans. Here’s a snapshot:

Mortgage Type	Rate Range	ARM/Fixed	Loan to Value	Min Loan Size
30-Year DSCR Loan	6.75% – 8.00%	30-Year Fixed	up to 75%	$75,000
15-Year DSCR Loan	6.75% – 7.75%	30-Year Fixed	up to 75%	$75,000

These loans are asset-based and do not require U.S. credit history or personal income verification. They are ideal for international investors seeking passive rental income from U.S. property.

🔮 Mortgage Rate Forecast: What’s Next?

Most housing economists project that rates will remain within a 6.7%–7.2% band throughout Q3, with a slow taper toward 6.5% by year-end—contingent on economic data and the Fed’s stance.

Fannie Mae: Projects 30-year rates to reach 6.6% by Q4.
MBA: Forecasts stable rates in the 6.6%–6.7% range through 2025.
NAR: Expects slightly lower rates to spark more buyer activity by late summer.

🧠 Final Thoughts

Today’s slight dip in mortgage rates brings a ray of optimism to a market still adjusting to a high-rate era. While not dramatic, any movement downward supports affordability and buyer confidence.

Whether you’re buying your first home, adding an investment property, or refinancing a current loan, staying informed on weekly rate shifts will help you time your financial decisions wisely.

📌 Pro Tip: If you’re a foreign investor or planning a purchase in the next 3–6 months, speak with a mortgage advisor now to secure pre-approval and explore your options before the market shifts again.

FREE DOWNLOAD: 10 Costly Mistakes Foreigners Make Buying U.S. Real Estate

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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.