US Mortgage Rates June 9th 2025 – A Good Start to the Week

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Published On: June 9th, 2025

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🏠US Mortgage Rates on June 9th 2025 – A Slight Dip Offers Relief to Borrowers

As of Monday, June 9, 2025, mortgage rates have seen a slight decline across most loan types, signalling a modest window of opportunity for homebuyers and refinancers alike. The average 30-year fixed mortgage rate dropped to 7.00%, down from 7.03% last week. Meanwhile, the 15-year fixed mortgage rate also dipped to 6.11%, offering short-term borrowers a bit of breathing room.

While the changes are subtle, they reflect a broader trend of market stabilization as inflation concerns ease and Treasury yields remain volatile.

🔑 Key Takeaways

30-Year Fixed Mortgage: 7.00% (▼ 3 basis points)
15-Year Fixed Mortgage: 6.11% (▼ 3 basis points)
5-Year ARM: 7.78% (▼ 2 basis points)
30-Year Fixed Refinance: 7.26% (flat)

📊 Current Mortgage Rates – June 9, 2025

Loan Type	Rate	1W Change	APR	1W Change
30-Year Fixed	7.00%	▼ 0.03%	7.48%	▼ 0.04%
20-Year Fixed	6.80%	▼ 0.02%	7.29%	▲ 0.05%
15-Year Fixed	6.11%	▼ 0.03%	6.43%	▼ 0.07%
10-Year Fixed	5.97%	▼ 0.04%	6.05%	▼ 0.12%
7-Year ARM	8.41%	▲ 0.60%	8.75%	▲ 0.52%
5-Year ARM	7.78%	▼ 0.02%	8.12%	▼ 0.12%

(Source: Zillow)

💡 Understanding Your Mortgage Options

Fixed-Rate Mortgages

Fixed-rate loans offer long-term payment stability, making them ideal for buyers planning to stay in their homes for many years. The 30-year fixed remains the most popular option due to manageable monthly payments and predictability.

Example: A $300,000 loan at 7% results in a monthly principal and interest payment of ~$1,996.

Adjustable-Rate Mortgages (ARMs)

ARMs begin with a lower interest rate for a set period (usually 5 or 7 years), after which the rate adjusts annually.

Risk: Monthly payments could increase significantly depending on market conditions.
Reward: Lower initial costs make them attractive for short-term homeowners.

🔁 Current Refinance Rates – June 9, 2025

Loan Type	Rate	1W Change	APR	1W Change
30-Year Fixed Refi	7.26%	–	7.74%	▲ 0.03%
20-Year Fixed Refi	6.80%	▼ 0.02%	7.29%	▲ 0.05%
15-Year Fixed Refi	6.10%	▼ 0.05%	6.43%	▲ 0.07%
10-Year Fixed Refi	5.97%	▼ 0.04%	6.05%	▼ 0.12%
5-Year ARM Refi	8.07%	–	8.12%	–

🏛️ Government-Backed Loans

Loan Type	Rate	1W Change	APR	1W Change
30-Year FHA	7.09%	▲ 0.18%	8.12%	▲ 0.18%
15-Year FHA	6.17%	▲ 0.48%	7.14%	▲ 0.47%
30-Year VA	6.47%	▲ 0.02%	6.66%	–
15-Year VA	5.99%	▲ 0.02%	6.30%	▼ 0.03%

These options are ideal for first-time homebuyers and veterans due to reduced down payments and lower credit requirements.

📉 Mortgage Market Outlook

Leading analysts from Fannie Mae and NAR anticipate that mortgage rates will average around 6.4%–6.6% through the end of 2025. With inflation cooling and the Fed expected to hold steady, modest rate declines could follow.

NAR Forecast: 6.4% average in Q4 2025
Fannie Mae Outlook: Potential drop to 6.1% by year-end
Freddie Mac: Rates may remain elevated for longer periods

🌎 U.S. Mortgage Rates for Foreigners

If you’re a non-resident investing in U.S. property, here’s what typical loan terms look like:

Mortgage Type	Rate Range	ARM/Fixed	Loan to Value	Min Loan Size
30-Year DSCR Loan	6.75% to 8%	30-Year Fixed	Up to 75%	$75,000
15-Year DSCR Loan	6.75% to 7.75%	15-Year Fixed	Up to 75%	$75,000

These loans are often based on the property’s rental income and do not require personal income verification, making them ideal for international investors.

🧠 Final Thoughts

Mortgage rates are nudging downward this week, offering a glimmer of hope to buyers and refinancers alike. While the movements are slight, they reflect a stable lending environment amid broader economic uncertainty. With potential rate cuts forecasted in late 2025, this may be a good time to lock in or refinance.

Whether you’re a first-time buyer, seasoned investor, or overseas purchaser, staying informed about daily rate changes can significantly affect your long-term financial outcome.

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