U.S. Mortgage Rates Fall Again Today: June 20th 2025
David Garner
David GarnerDaily US Mortgage Rate Update: June 20, 2025
Published On: June 20th, 2025
Staying abreast of U.S. mortgage rate fluctuations is paramount for inversores internacionales who want to maximize their U.S. property propiedades de inversión returns. Today’s update brings another slight dip in average rates, continuing the trend of recent weeks. Understanding these subtle shifts and the underlying economic forces is key to making informed decisions, especially for those prioritizing consistent cash flow and long-term stability in their portfolios.
Key Takeaways Today:
- Further Rate Decline: The benchmark 30-year fixed mortgage rate and 15-year fixed rate have seen further minor decreases, moving slightly lower than yesterday’s figures.
- Refinance Rates Also Edge Down: Most refinance rates also experienced a modest decline this week.
- Fed’s Stance: The Federal Reserve held rates steady on June 18 but signalled the possibility of two rate cuts later in 2025, depending on economic data.
- Expert Forecasts Maintain Outlook: Leading economists continue to anticipate a gradual moderation in mortgage rates through 2025 and 2026, though with a cautious eye on inflation and global factors.
Today’s Rates Overview (Purchase & Refinance)
Here’s a snapshot of the national average mortgage rates as of Friday, June 20, 2025. These rates are compiled from surveys of major lenders and serve as a guide for prospective buyers and those considering refinancing.
U.S. Purchase Mortgage Rates:
| Tipo de préstamo | Rate (%) | 1W Change (bps) | APR (%) | 1W Change (bps) |
|---|---|---|---|---|
| Fijo a 30 años | 6.82 | -5 | N/A | N/A |
| 20-Year Fixed | N/A | N/A | N/A | N/A |
| Fijo a 15 años | 6.00 | -4 | N/A | N/A |
| 10-Year Fixed | 6.01 | -4 | N/A | N/A |
| 5/1 ARM | 6.15 | -11 | N/A | N/A |
| 30-Year Fixed Jumbo | 6.89 | -3 | N/A | N/A |
(Source: CNET, June 20, 2025 and Bankrate, June 20, 2025)
U.S. Refinance Mortgage Rates:
| Tipo de préstamo | Rate (%) | 1W Change (bps) | APR (%) | 1W Change (bps) |
|---|---|---|---|---|
| 30-Year Fixed Refi | 6.79 | -3 | 6.85 | N/A |
| 15-Year Fixed Refi | 6.11 | -3 | 6.20 | N/A |
| 10-Year Fixed Refi | 6.07 | -4 | N/A | N/A |
(Source: CNET, June 20, 2025 and Bankrate, June 20, 2025)
In-depth Analysis and Commentary
Today’s continued marginal decline in average U.S. mortgage rates offers modest positive news for prospective buyers, further easing some of the affordability issues that have characterized the U.S. housing market. The 30-year fixed rate, a key indicator, has now dropped by 5 basis points (bps) in the last week, settling at 6.82%. This trend indicates a market cautiously responding to economic signals.
For inversores internacionales, these subtle shifts are important. While a dramatic return to exceptionally low rates isn’t anticipated in the immediate future, any sustained moderation helps to stabilize the market. This stability is beneficial for long-term investment planning, particularly for properties aimed at generating consistent cash flow. The persistent demand in the rental market, often fuelled by ongoing affordability challenges for homebuyers, continues to underpin the value of well-chosen investment properties.
The Federal Reserve’s decision on June 18 to hold interest rates steady (at 4.25%-4.50%) for the fourth consecutive time indicates a cautious approach amid lingering inflation concerns and slowing GDP growth forecasts. However, the Fed’s updated projections still signal the possibility of two rate cuts later in 2025, which could further influence mortgage rates.
Expert Outlook on Mortgage Rates Through 2025-2026
What do leading economists predict for mortgage rates in the coming months and years? A consensus points towards moderation, but with varying degrees of optimism and caution.
- Lawrence Yun, Chief Economist for the National Association of Realtors (NAR), continues to forecast mortgage rates to average 6.4% in the second half of 2025 and dip to 6.1% in 2026. He emphasizes that mortgage rates are the “magic bullet” for market recovery and believes the Fed should consider how inflation has eased. (Source: National Mortgage Professional, June 11, 2025 and TheStreet, June 19, 2025)
- Selma Hepp, Chief Economist for Cotality (formerly CoreLogic), notes that mortgage rates are “unlikely to move outside the narrow range of 6.5% to 7% unless there’s an economic downturn or a spike in joblessness.” She points to persistent concerns about higher inflation and federal debt potentially keeping bond yields and mortgage rates elevated. (Source: Bankrate, June 19, 2025 and CNET, June 16, 2025)
- Fannie Mae anticipates rates around 6.1% by the end of 2025 and 5.8% by the end of 2026. (Source: CNET, June 20, 2025)
These expert perspectives collectively suggest that while the era of historically low rates may be behind us for now, the market is adjusting to a new normal. This provides inversores internacionales with a clearer framework for assessing long-term profitability and identifying resilient investment opportunities.
Foreign National Mortgages: Key Financing Options for International Investors
For inversores internacionales seeking to finance U.S. property with a U.S. mortgage for foreigners, understanding the available options is essential for navigating the market effectively and securing consistent cash flow.
| Tipo de préstamo | Key Features | Benefits for International Investors |
|---|---|---|
| Hipoteca para extranjeros | Designed for non-U.S. citizens/residents. – Typically requires larger down payments (e.g., 25-40%). – Underwriting often uses foreign credit history and income documentation. | Access to U.S. Market: Provides a direct path to financing U.S. properties without needing a U.S. credit score. Leverage: Allows investors to acquire multiple properties with less upfront capital than all-cash purchases. |
| Préstamo DSCR | Debt Service Coverage Ratio (DSCR): Qualifies the loan primarily based on the investment property’s projected rental income covering its expenses (PITI). – Often no personal income or employment verification required from the borrower. | Income-Driven Qualification: Ideal for inversores internacionales focused on consistent cash flow. Streamlined Process: Simplifies underwriting by minimizing personal financial documentation, focusing on the asset’s performance. Portfolio Expansion: Easier to scale a portfolio as new loans don’t heavily rely on individual debt-to-income. |
Conclusion
Today’s marginal rate movements, coupled with expert forecasts and the Federal Reserve’s recent signals, underscore a U.S. housing market that is adapting and finding its equilibrium. For inversores internacionales, this means a continued emphasis on strategic market selection. By focusing on fundamentally strong, affordable regions with robust rental demand, and by leveraging specialized financing tools, global property investors can confidently navigate the current landscape to achieve resilient portfolios and consistent cash flow for years to come.
Staying informed about these daily and projected market dynamics, and partnering with experienced local teams, remains the cornerstone of successful U.S. property investment.
Previous Update: Daily U.S. Mortgage Rate Report and Analysis: June 19th 2025
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