Posts with tag 'interest rates'
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8
Mortgage Rates Drop in August 2025 to Lowest Rates Since April 2025
Mortgage rates have taken a welcome dip in recent weeks, offering a glimmer of relief for homebuyers, homeowners, and anyone watching the housing market forecast. The recent shift is tied directly to a decline in the 10-year Treasury yield and the economic trends influencing it.
Mortgage Rates in August 2025: The Latest Numbers
The 10-year Treasury yield, a key benchmark for 30-year mortgage rates, has fallen from 4.7% earlier this year to about 4.25% today. This decline has helped push mortgage rates down from 7.04% in early 2025 to the 6.125%–6.5% range now.
Some borrowers, particularly those using government-backed mortgages like FHA, VA, or USDA loans, are seeing even lower rates thanks to more favorable note yields.
Why Are Mortgage Rates Dropping?
Several recent economic developments have contributed to the decline in the 10-year Treasury yield and mortgage rates:
- Slowing job growth and softer employment reports
- Signs that the overall economy is cooling
- Expectations of a Federal Reserve interest rate cut in September 2025
When the economy slows, investors often anticipate rate cuts from the Fed. This tends to push Treasury yields lower, and when yields fall, mortgage rates usually follow.
Mortgage Rate Forecast for Late 2025
Right now, the 10-year yield is hovering near an important level: 4.2%. If yields drop below that point and head toward 4.0%, possibly due to cooling inflation or further economic slowdown, mortgage rates could fall into the high 5% to low 6% range by Q4 2025.
However, there are still factors that could keep rates higher:
- Proposed tariffs, which could be inflationary or deflationary depending on implementation
- Persistent inflation is keeping the Fed cautious about cutting rates too quickly
What Lower Mortgage Rates Mean for Buyers and Homeowners
Lower mortgage rates can increase affordability for homebuyers and improve refinancing opportunities for homeowners. Even a small decrease in interest rates can make a noticeable difference in monthly payments and long-term interest costs.
If you're planning to buy or refinance, now is the time to contact a trusted Ruhl Mortgage Lender who can consult with you on your next best step. Since home prices are still appreciating, waiting for a minor rate adjustment may not be the smartest move, considering that the trade-off would be paying a higher price for the property. For more information about Ruhl Mortgage, visit RuhlMortgage.com.
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RuhlMortgage.com | 866-441-1862 | customerservice@ruhlmortgage.com Ruhl Mortgage LLC, NMLS #935629 | IL Residential Mortgage | License MB.6760937 | IA #2012-0110 | WI #935629BA - For licensing information, go to: www.nmlsconsumeraccess.org |
1
Navigating The Market for Prospective Homebuyers
If you've been considering purchasing a home, your main concerns are probably mortgage rates and home prices. This might even be the reason you've suddenly delayed your plans. Some buyers discovered that the numbers simply didn't make sense for their budget when rates increased last year. However, there might be some good news for you!
Economic Data Manager at Realtor.com, Sabrina Speianu, says "The spring housing market could shape up to provide home shoppers with a more plentiful supply of less expensive homes than last year," and although inventory is still not as plentiful as in the pre-pandemic days, "home shoppers will have more choice, and in particular more choice of lower-priced homes."
The number of homes actively for sale in February was up 14.8% from February of 2023, and more inventory means more choices for buyers!
Home Prices Will Remain Steady
5
Quad Cities Real Estate Sales Volume Highest Ever
The residential real estate sales volume in the Quad Cities reached its highest mid-year level ever through June of this year. Combined sales in the Iowa and Illinois Quad Cities were up 3.5% over last year. This increase was reflective of 4.1% fewer actual properties sold, but an 8% increase in average sales price from $169,800 to $183,400.
● Iowa Quad Cities: the highest number of sales in 15 years, since 2004. Compared to the 1st half of 2018, sales volume was up 12%. Listing inventory is up 3% and there are 2.8 months of inventory - a seller's market. The average sales price is $222,600.
● Illinois Quad Cities: 5-year low in the number of sales. Sales volume is below mid-year 2017 and 2018. There were 6% more properties for sale and 4.8 months of inventory - a market balanced between buyers and sellers. The average sales price is $130,100.
Low Interest Rates Ignite Home Sales - Great Time to Refinance
With interest rates at their lowest leve...
