Daily US Mortgage Rate Update: June 28, 2025 – Actionable Insights for International Investors

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

For international real estate investors, understanding U.S. mortgage rates is crucial. These rates directly impact your cash flow rentals. They also affect your ability to pay down mortgages and grow long-term wealth through property appreciation. Daily rate changes can offer new opportunities or require strategy adjustments.

This update provides the most current U.S. mortgage rates for June 28, 2025. We will include detailed tables for different loan types. We will also discuss what drives these rates, offering expert views. Special attention will be given to U.S. mortgages for non-residents. This guide helps you make smart decisions for your U.S. property investment.

Investment Properties: Browse Turnkey Rental Properties in our Online Portal

Key Takeaways: Today’s Mortgage Rates & Market Analysis

• Rates Decline Slightly: On June 28, 2025, 30-year fixed mortgage rates maintain their weekly decline. They are now around 6.75%.

• Updated Refinance Rates: Rates for 30-year refinance loans shot back up to 6.81% from yesterday’s lows of 6.75%.

• Market Influences: Bond market performance, inflation data, and Federal Reserve policy continue to shape rates.

• Expert Outlook: Industry leaders suggest rates are nearing an 8-month low. They expect continued stability.

• Non-Resident Loans: Various mortgage options exist for foreign nationals. Down payment and income verification rules are key to understand.

Related: Foreign National Loans: Everything you Need to Know for Non-Residents

Section 1: Today’s U.S. Mortgage Rates (June 28, 2025)

The U.S. mortgage market is showing some positive movement today, June 28, 2025. The 30-year fixed mortgage rate, a key indicator for property investors, saw a slight decline.

U.S. Purchase Mortgage Rates

Here are the average purchase mortgage rates for June 28, 2025. We also show their week-on-week changes. These figures come from major lenders, primarily Bankrate and Investopedia.

Note: These are average rates. Your actual rate might vary. It depends on the lender, your credit score, and specific loan terms. Week-on-week changes are calculated based on the difference from the previous Friday’s reported rates. N/A indicates prior week data for direct comparison was not available from the specified source.

U.S. Refinance Mortgage Rates

Here are the average refinance mortgage rates for June 28, 2025. Data based on the latest available information from Bankrate.

Note: Refinance rates are averages. Your actual rate depends on your financial situation and offers from lenders. Week-on-week changes are calculated based on the difference from the previous Friday’s reported rates. N/A indicates prior week data for direct comparison was not available from the specified source. Bankrate often updates its main rates page, and specific weekly changes for all loan types may not be immediately available or require deeper navigation.

Related: U.S. Mortgage Rates Forecast: What the Experts are Saying for 2025 and 2026

Section 2: In-Depth Analysis – What’s Driving Mortgage Rates?

Mortgage rates show broader economic health. Many factors affect U.S. rates. For international investors, understanding these helps predict future trends. It also helps protect your cash flow rentals.

The Bond Market’s Role

The 10-year U.S. Treasury bond strongly affects mortgage rates. When the bond market performs well, mortgage rates often drop. Recent positive movement in the bond market has brought some relief.

Matthew Graham from Mortgage News Daily noted on June 27, 2025, that “Friday’s mortgage rates ended up being right in line with Thursday’s on average. At 6.72%, the MND daily rate index is as low as it’s been since early April when it hit 6.60%.” This shows how bond gains can lead to lower rates for buyers. You can review their daily updates here: Mortgage News Daily.

Economic Unknowns and Global Events

Despite some good economic signs, overall uncertainty remains. Global events also keep rates from falling sharply. Doug Duncan, Fannie Mae’s Chief Economist, noted this in a recent forecast:

“We continue to expect modest growth for the economy; however, recent interest rate movements… alongside continued economic uncertainty and mounting geopolitical tensions, have kept mortgage rates elevated.” This shows that global issues play a big role. Source: Fannie Mae Makes Crucial New Update to 2025 Mortgage Rate Forecast.

The Federal Reserve’s Influence

The Federal Reserve’s decisions are always watched closely. The Fed does not set mortgage rates directly. But its policy affects all lending. The market looks for clues about future rate changes.

Joel Kan, MBA’s deputy chief economist, commented on bond movements: “Treasury rates saw some movement during the week, which resulted in additional opportunities for borrowers.” This means small changes in bond yields, often linked to Fed expectations, can create new lending chances. Source for MBA data: United States MBA 30-Yr Mortgage Rate.

Current Market Trends

Mortgage rates have been fairly stable, largely staying between 6.5% and 7% for several months. Investopedia noted on June 27, 2025, that the 30-year fixed rate reached its “lowest level since April 4.” This stability makes financial planning easier. For international investors, this predictability helps plan for U.S. property investment.

Still, investors should be careful. Rates are not as low as in past years. This highlights the need for careful financial modelling to ensure consistent cash flow.

Related: Lender List: Complete List of U.S. Mortgage Lenders Offering Foreign National Loans

Section 3: U.S. Mortgages for Non-Residents – Financing Your Investment

International investors often wonder about getting a mortgage in the U.S. The process is different for non-residents. But it is very possible to get funding for your U.S. property investment.

Lenders who work with foreign nationals look for a strong financial background. This includes a large down payment. It also means proof of income from your home country.

Common Mortgage Options for Non-Residents

Here are common loan types for non-resident investors buying U.S. properties. Rules can differ by lender. Always check the details.

Note: These are general guidelines. Exact terms depend on the lender and your financial situation. Work with a mortgage broker who specializes in foreign national loans.

Key Steps for Non-Resident Mortgages

For international investors, getting a U.S. mortgage needs careful planning. This helps you avoid common mistakes.

• Find a Special Lender: Not all banks offer loans to foreign nationals. Seek out lenders or brokers with experience in this area.

• Prepare Documents: Gather all needed financial and identity papers from your home country.

• Understand Costs: Be aware of closing costs. They can be higher for non-residents.

• Plan Your Investment Structure: Think about how the mortgage fits your overall investment. Will you use an LLC or other structure for tax efficiency and liability protection?

• Assess Cash Flow: Ensure the property will make enough rental income to cover all costs and the mortgage payment. This protects your consistent cash flow.

Getting a U.S. mortgage as a non-resident is a clear path to U.S. property investment. It helps you use financing to build long-term wealth.

Related: How to Structure Your U.S. Property Investment as a Non-Resident

Section 4: Implications for International Investors – Growing Your Wealth

Current mortgage rates and non-resident financing rules matter for international real estate investors. Your plan should be flexible. It should focus on building long-term wealth.

Focus on Strong Fundamentals

Even with rates in the upper 6% range, opportunities exist. The key is to look beyond just the rate number. Focus on markets with:

• Good Job Growth: More jobs mean more people. This leads to higher demand for homes, both for buying and renting.

• Growing Population: More people means more potential tenants.

• Diverse Economy: Cities that do not rely on just one industry are safer during economic changes.

• Affordable Entry Points: Even if rates are higher, a lower purchase price can still lead to strong consistent cash flow.

Related: The Best Places to Invest in the U.S. Real Estate Market: States, Cities, and Neighbourhoods

Maximizing Cash Flow Rentals

To make the most of your cash flow in this market, consider:

• Smart Property Choice: Pick properties that offer good rental income compared to their price and loan costs. Multi-family homes or properties in high-demand rental areas can be good choices.

• Effective Property Management: Good property management greatly affects your net income and cash flow. This includes finding and vetting tenants, collecting rent, handling repairs, and even evictions if needed.

• Long-Term View: U.S. property investment is often a long-term goal. Short-term rate changes are less important if you plan to hold properties for many years. This allows for appreciation and steady rental income.

Related: U.S. Real Estate Market Forecast for the Next 5 Years

Building Your Investment Team

For international investors, a strong local team is a must. This team helps you avoid common mistakes. It includes:

• A real estate agent specializing in investment properties.
• A mortgage broker who understands foreign national loans.
• A trusted property manager for overseas management.
• A tax advisor familiar with U.S. real estate for non-residents. They can help with tax efficiency, U.S. and local tax liabilities, and investment structures (LLC, C-Corp, trust).

This team will help you handle complex issues. It ensures your U.S. property investment is well-managed and profitable. This will deliver consistent cash flow and help you grow long-term wealth.

Related: U.S. Mortgage Rates for Foreign National Loans in 2025: Your Essential Guide

Conclusion: Your Next Steps for Wealth Growth

Today’s mortgage rates show some stability and a slight decline. This offers a predictable market for international real estate investors. Rates are higher than past lows. But chances for smart U.S. property investment are still there. Focus on strong market basics. Understand specific non-resident financing. Choose properties that promise consistent cash flow.

By staying informed and building a good team, you can expand your portfolio. You can reach your financial goals in the dynamic U.S. housing market. This is how you grow long-term wealth and potentially build passive income.

Previous Update: U.S. Mortgage Rates: 30-Year Fixed Rate Touches 6.75%: June 27th 2025

Frequently Asked Questions (FAQs) About U.S. Mortgage Rates for Investors

• Q1: What is the average 30-year fixed mortgage rate today, June 28, 2025? A1: The average 30-year fixed mortgage rate for purchases is about 6.75% today. For refinancing, it’s around 6.81%. These are averages and can change based on your lender and financial details.
• Q2: Have U.S. mortgage rates changed a lot this week? A2: Yes, the 30-year fixed purchase rate went down slightly by about 0.07% this week. The 30-year fixed refinance rate dropped by about 0.04% week-over-week. This shows a modest decline.
• Q3: Can non-residents get a mortgage in the U.S. for investment properties? A3: Yes, non-residents can get U.S. mortgages for investment properties. Specialized loans like Foreign National, ITIN, and DSCR loans are available. You will typically need a higher down payment (20-50%) compared to U.S. residents.
• Q4: What are the main factors affecting current U.S. mortgage rates? A4: Key factors include the performance of the 10-year U.S. Treasury bond, the Federal Reserve’s decisions, general economic uncertainty, and global events. These all affect how lenders set rates.
• Q5: How can international investors make the most of their strategy with current rates? A5: Focus on markets with strong job growth and population increases. Look for properties that offer good rental income. Ensure efficient property management. Plan for the long term. Also, building a team with experts in real estate, financing, and U.S. taxes is very important.
• Q6: What is the primary goal for international investors in the U.S. real estate market? A6: The main goal is usually to grow long-term wealth. This is done by buying quality properties, renting them out for consistent cash flow to pay down the mortgage, and benefiting from property value appreciation. Building passive income is also a key interest.