Our daily report covering US mortgage rates for domestic homebuyers, investors, and foreign nationals

Daily U.S. Mortgage Rates Today June 21st 2025

Mortgage Rates in the United States edged slightly lower again today, easing persistent affordability issues for U.S. homebuyers and international real estate investors

Daily U.S. Mortgage Rates Today June 21st 20252025-06-26T14:34:37-04:00

Daily US Mortgage Rate Update: June 18, 2025

Daily US Mortgage Rates (June 18, 2025): Get 30-year fixed, 15-year, & ARM rates. Experts forecast moderation. Essential for international investors seeking consistent cash flow & strategic US property investment.

Daily US Mortgage Rate Update: June 18, 20252025-06-26T14:41:52-04:00

Daily US Mortgage Rate Update: June 16, 2025

Daily US mortgage rates for June 16, 2025, show minor shifts. Get today's 30-year fixed, refinance, and foreign national mortgage rates. Key insights for international investors.

Daily US Mortgage Rate Update: June 16, 20252025-06-26T14:44:38-04:00

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*/ (function(){ const $ = (id) => document.getElementById(id); const fmt = (n, opts={}) => { const v = (isFinite(n) ? n : 0); const o = { style:'currency', currency:'USD', maximumFractionDigits:0, ...opts }; return new Intl.NumberFormat('en-US', o).format(v); }; const pct = (n, d=2) => `${(isFinite(n)? n : 0).toFixed(d)}%`;function payment(principal, annualRatePct, years) { const r = (annualRatePct/100)/12; const n = years*12; if (r === 0) return principal/n; return principal * (r * Math.pow(1+r, n)) / (Math.pow(1+r, n) - 1); } function balanceAfter(principal, annualRatePct, years, monthsElapsed) { const r = (annualRatePct/100)/12; const n = years*12; if (r === 0) return principal * (1 - monthsElapsed/n); const pmt = payment(principal, annualRatePct, years); return principal*Math.pow(1+r, monthsElapsed) - pmt*( (Math.pow(1+r, monthsElapsed) - 1)/r ); } function cumulativePrincipalPaid(principal, annualRatePct, years, monthsElapsed){ return principal - balanceAfter(principal, annualRatePct, years, monthsElapsed); }const ids = [ 'price','downPct','rate','term','rent','otherIncome','vacancy','mgmtPct', 'taxesAnnual','insAnnual','hoaMonthly','maintPct','repairsMonthly','otherMonthly','closingPct','initialRepairs', 'holdYears','appreciation','rentGrowth','expGrowth','sellCostPct','landPct','incomeTaxPct','cgTaxPct' ]; const out = { cashflow: $('m-cashflow'), caprate: $('m-caprate'), coc: $('m-coc'), dscr: $('m-dscr'), ads: $('m-ads'), noi: $('m-noi'),gsr: $('o-gsr'), vac: $('o-vac'), egi: $('o-egi'), opex:$('o-opex'), mort:$('o-mort'), oNoi:$('o-noi'),ltSale: $('lt-sale'), ltBal: $('lt-balance'), ltSell: $('lt-sellcosts'), ltCF: $('lt-cf'), ltPrin: $('lt-principal'), ltNet: $('lt-net'), ltProfit: $('lt-profit'), ltRoi: $('lt-roi'), ltAnn: $('lt-annualized'),cashNeeded: $('m-cashneeded') }; if (!out.cashflow) return;// Defaults const defaults = { price: 300000, downPct: 25, rate: 7.25, term: 30, rent: 2200, otherIncome: 0, vacancy: 5, mgmtPct: 8, taxesAnnual: 3600, insAnnual: 1500, hoaMonthly: 0, maintPct: 8, repairsMonthly: 100, otherMonthly: 0, closingPct: 3, initialRepairs: 0, holdYears: 5, appreciation: 3, rentGrowth: 2, expGrowth: 2, sellCostPct: 8, landPct: 20, incomeTaxPct: 24, cgTaxPct: 15 };// Initialize placeholders ids.forEach(id => { const el=$(id); if(el && !el.value) el.value = defaults[id] ?? ''; });function valNum(id){ const el = $(id); if(!el) return 0; const v = parseFloat(String(el.value).replace(/,/g,'')); return isFinite(v) ? v : 0; }function recalc(){ // Inputs const price = valNum('price'); const downPct = valNum('downPct'); const rate = valNum('rate'); const term = valNum('term');const rent = valNum('rent'); const otherIncome = valNum('otherIncome'); const vacancy = valNum('vacancy'); const mgmtPct = valNum('mgmtPct');const taxesAnnual = valNum('taxesAnnual'); const insAnnual = valNum('insAnnual'); const hoaMonthly = valNum('hoaMonthly'); const maintPct = valNum('maintPct');const repairsMonthly = valNum('repairsMonthly'); const otherMonthly = valNum('otherMonthly'); const closingPct = valNum('closingPct'); const initialRepairs = valNum('initialRepairs');const holdYears = valNum('holdYears'); const appreciation = valNum('appreciation'); const rentGrowth = valNum('rentGrowth'); const expGrowth = valNum('expGrowth'); const sellCostPct = valNum('sellCostPct');// Financing const downPayment = price * (downPct/100); const loanAmount = Math.max(price - downPayment, 0); const mortPmt = (loanAmount>0 && term>0) ? payment(loanAmount, rate, term) : 0; const ads = mortPmt * 12;// Income (monthly) const grossMonthly = rent + otherIncome; const vacancyLoss = grossMonthly * (vacancy/100); const egiMonthly = grossMonthly - vacancyLoss;// Operating expenses (monthly) const mgmtMonthly = rent * (mgmtPct/100); // mgmt on rent only (common) const maintMonthly = rent * (maintPct/100); const taxesMonthly = taxesAnnual/12; const insMonthly = insAnnual/12;const opexMonthly = mgmtMonthly + maintMonthly + taxesMonthly + insMonthly + hoaMonthly + repairsMonthly + otherMonthly;// NOI (annual, pre-debt) const noiAnnual = (egiMonthly - opexMonthly) * 12;// Metrics const capRate = price>0 ? (noiAnnual/price)*100 : 0; const monthlyCashFlow = egiMonthly - opexMonthly - mortPmt; const cashNeeded = downPayment + (price * (closingPct/100)) + initialRepairs; const coc = cashNeeded>0 ? ((monthlyCashFlow*12)/cashNeeded)*100 : 0; const dscr = ads>0 ? (noiAnnual/ads) : 0;// Long-term (simplified projections) const months = holdYears*12; const futurePrice = price * Math.pow(1 + (appreciation/100), holdYears); const sellCosts = futurePrice * (sellCostPct/100); const loanBal = balanceAfter(loanAmount, rate, term, months); const principalPaid = cumulativePrincipalPaid(loanAmount, rate, term, months);// Grow rent & expenses with separate growth rates (straight-line monthly comp approx) const growthRentMonthly = rent * Math.pow(1 + (rentGrowth/100), holdYears); const avgRentMonthly = (rent + growthRentMonthly)/2; // simple average over period const avgOtherIncMonthly = otherIncome; // assume flat const avgGrossMonthly = avgRentMonthly + avgOtherIncMonthly; const avgVacLoss = avgGrossMonthly * (vacancy/100); const avgMgmtMonthly = avgRentMonthly * (mgmtPct/100); const growthMaintMonthly = (rent * (maintPct/100)) * Math.pow(1 + (expGrowth/100), holdYears); const avgMaintMonthly = (rent*(maintPct/100) + growthMaintMonthly)/2;const growthTaxesMonthly = taxesMonthly * Math.pow(1 + (expGrowth/100), holdYears); const avgTaxesMonthly = (taxesMonthly + growthTaxesMonthly)/2;const growthInsMonthly = insMonthly * Math.pow(1 + (expGrowth/100), holdYears); const avgInsMonthly = (insMonthly + growthInsMonthly)/2;const growthHOA = hoaMonthly * Math.pow(1 + (expGrowth/100), holdYears); const avgHOA = (hoaMonthly + growthHOA)/2;const growthRep = repairsMonthly * Math.pow(1 + (expGrowth/100), holdYears); const avgRep = (repairsMonthly + growthRep)/2;const growthOther = otherMonthly * Math.pow(1 + (expGrowth/100), holdYears); const avgOther = (otherMonthly + growthOther)/2;const avgEGIMonthly = avgGrossMonthly - avgVacLoss; const avgOpexMonthly = avgMgmtMonthly + avgMaintMonthly + avgTaxesMonthly + avgInsMonthly + avgHOA + avgRep + avgOther; const avgNOIAnnual = (avgEGIMonthly - avgOpexMonthly) * 12; const avgMonthlyCashFlow = avgEGIMonthly - avgOpexMonthly - mortPmt;const cfCumulative = avgMonthlyCashFlow * months; const netProceeds = Math.max(futurePrice - sellCosts - loanBal, 0); const totalProfitPreTax = cfCumulative + principalPaid + (netProceeds); // double counts? No: netProceeds already subtracts remaining loan; principalPaid counts via cash flow equity growth — we keep both cash flow + net proceeds (which is equity at sale). principalPaid is embedded in netProceeds vs original loan? Common approaches vary; we’ll show both CF and Net separately below and include principal explicitly. // To avoid double counting principal: treat netProceeds as (future equity realized) and ONLY add CF. We'll present principalPaid separately in UI. const totalProfit = cfCumulative + netProceeds; // preferred: CF + Net Sale (no double-count) const roiTotal = cashNeeded>0 ? (totalProfit / cashNeeded) * 100 : 0; const annualizedSimple = holdYears>0 ? (roiTotal/holdYears) : 0;// Outputs out.cashflow.textContent = fmt(monthlyCashFlow, {maximumFractionDigits:0}); out.caprate.textContent = pct(capRate, 2); out.noi.textContent = `NOI: ${fmt(noiAnnual, {maximumFractionDigits:0})}/yr`; out.coc.textContent = pct(coc, 2); out.cashNeeded.textContent = `Cash Invested: ${fmt(cashNeeded, {maximumFractionDigits:0})}`; out.dscr.textContent = `${(isFinite(dscr)? dscr : 0).toFixed(2)}×`; out.ads.textContent = `Annual Debt Service: ${fmt(ads, {maximumFractionDigits:0})}`;out.gsr.textContent = fmt(grossMonthly, {maximumFractionDigits:0}); out.vac.textContent = `−${fmt(vacancyLoss, {maximumFractionDigits:0})}`; out.egi.textContent = fmt(egiMonthly, {maximumFractionDigits:0}); out.opex.textContent = `−${fmt(opexMonthly, {maximumFractionDigits:0})}`; out.oNoi.textContent = fmt(noiAnnual, {maximumFractionDigits:0}); out.mort.textContent = `−${fmt(mortPmt, {maximumFractionDigits:0})}`;out.ltSale.textContent = fmt(futurePrice, {maximumFractionDigits:0}); out.ltBal.textContent = fmt(Math.max(loanBal,0), {maximumFractionDigits:0}); out.ltSell.textContent = `−${fmt(sellCosts, {maximumFractionDigits:0})}`; out.ltCF.textContent = fmt(cfCumulative, {maximumFractionDigits:0}); out.ltPrin.textContent = fmt(Math.max(principalPaid,0), {maximumFractionDigits:0}); out.ltNet.textContent = fmt(netProceeds, {maximumFractionDigits:0});out.ltProfit.textContent = fmt(totalProfit, {maximumFractionDigits:0}); out.ltRoi.textContent = pct(roiTotal, 2); out.ltAnn.textContent = pct(annualizedSimple, 2); }// Wire up listeners ids.forEach(id=>{ const el = $(id); if(!el) return; el.addEventListener('input', recalc); el.addEventListener('change', recalc); });// Buttons const btnSample = document.getElementById('rpc-load-sample'); const btnReset = document.getElementById('rpc-reset');btnSample && btnSample.addEventListener('click', ()=>{ Object.entries(defaults).forEach(([k,v])=>{ const el=$(k); if(el) el.value=v; }); recalc(); const adv = document.getElementById('rpc-adv'); if(adv && !adv.open) adv.open = true; }); btnReset && btnReset.addEventListener('click', ()=>{ ids.forEach(id=>{ const el=$(id); if(el){ el.value=''; }}); // sensible blank state recalc(); });// Initial if (out.cashflow) { recalc(); } })();
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