Forecasts for Mortgage Interest Rates over the Next 90 Days: July, August, and September 2025
In the current economic climate, homeowners contemplating refinancing their mortgages may find online calculators a valuable tool in determining potential savings. The anticipated range for 30-year fixed mortgage rates for the next 90 days (July to September 2025) generally centers around 6.4% to 6.8%, according to various expert forecasts.
The Mortgage Bankers Association (MBA) expects an average of 6.7% for Q3 2025, with some predictions slightly higher, near 6.8%. July averages are forecasted around 6.84%, tapering slightly to about 6.74% by September. The National Association of Realtors projects a lower end average near 6.4% for the third quarter, while Fannie Mae and Wells Fargo project rates between 6.6% and 6.65%.
LendingTree experts suggest mortgage rates will remain elevated, with a gradual downward trend from around 6.77% in late June toward approximately 6.5% by year-end, but unlikely to fall much below 6% in the near term. This prediction aligns with recent data from Bankrate, which shows 30-year fixed rates hovering just under 6.8% as of late June 2025.
Long Forecast predicts a slight decrease in the 30-year fixed mortgage rate each month from July to September. The average 15-year fixed mortgage rate is expected to be around 6.01% in July, 5.90% in August, and 5.88% in September.
In a high-rate environment, focusing on cash-flowing investment properties in strong rental markets can be beneficial. However, it's crucial to consider closing costs and the length of time planned to stay in the home when making the refinancing decision. Shopping around with different lenders can lead to significant savings over the life of the loan.
Global events, geopolitical tensions, and changes in trade policies can impact mortgage rates. Inflation is still a concern, with the Fed aiming to get it down to 2%. The Federal Reserve has held its federal funds rate steady at 4.25%-4.5% for a while. Economic indicators like announcements from the Federal Reserve and inflation rates should be monitored when considering mortgage rates.
The 10-year Treasury yield is a major influence on mortgage rates. As of late June 2025, the 10-year Treasury yield stands at 4.38%. Waiting for significant drops in mortgage rates might not be the best plan in the next three months (July to September 2025).
For homeowners considering refinancing, it's important to compare current rates (6.5% to 6.8%) with their current mortgage rate to see if significant savings can be achieved. The 15-year fixed mortgage rate is hovering around 6.0% to 6.2%.
Investors seeking turnkey real estate deals that deliver predictable returns, even when borrowing costs are high, may find assistance from companies like Norada. They help identify such opportunities to ensure a steady stream of income despite the current high-rate environment.
Staying informed is crucial as mortgage rates can change. By keeping abreast of economic indicators and expert forecasts, homeowners and investors can make informed decisions about their mortgage and real estate investments.
- In a high-rate environment, concentrating on cash-flowing investment properties in robust rental markets can be favorable for potential growth.
- It's essential to consider closing costs and the duration of time planned to stay in a property when making a refinancing decision.
- Current 30-year fixed mortgage rates (6.5% to 6.8%) should be compared with existing mortgage rates to determine possible savings for homeowners contemplating refinancing.
- Global events, geopolitical tensions, and alterations in trade policies can impact mortgage rates, making it necessary to monitor economic indicators like Federal Reserve announcements and inflation rates.
- For investors searching for turnkey real estate deals that guarantee consistent returns, even in high-borrowing-cost situations, companies like Norada might provide assistance.
- The anticipated range for 30-year fixed mortgage rates for the next 90 days (July to September 2025) generally centers around 6.4% to 6.8%, according to expert forecasts, and waiting for significant drops in mortgage rates might not be the best strategy during this period.
