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TODAY’S MORTGAGE RATES

Mortgage Interest Rates hit another
2025 low last week. The Mortgage
Backed Security (MBS) market traded
up + 20 bps over the past 7 days.

Below are your average interest rates
across the country according to
Mortgage News Daily.

The big news last week was the
PCE inflation report. Inflation numbers
came in close to expectations with
Year over Year inflation remaining
at 2.6%.

The big news this week is Friday’s
BLS Jobs Report. This report is
very important because it’s one
of the last big pieces of information
that the FED will look at when
deciding what to do with the
Federal Funds rate on 9/17.

Lower job creation typically lowers
interest rates Higher job creation
typically moves interest rates higher.

There are a lot of characteristics
that go into a mortgage rate –
credit score, investor, loan to
value, loan amount, costs, etc.
Please call me to go over your specific
scenario so we can price your loan
out accurately.

Or you can get a Free Mortgage Quote
or Apply for a Mortgage with the links below.

Thank You! 

Beat The Banks

OR

Register

Thank you!

HELOCS BECOMING MORE
AND MORE POPULAR

We can put together a FREE HELOC
OFFER for you without pulling a hard
credit report. Everything is done online
and you can usually get your cash
in less than 2 weeks.

If you would like your Free HELOC
offer, please call me or answer the
questions below:

1. Full Address you want to take HELOC
out on (including city, state, and zip code)

2. Occupancy of Home – Primary, Vacation,
or Investment

3. If Home Address is Not Your Primary,
What is Your Primary Residence Address

4. Loan Amount of HELOC you would like

5. Full Name

6. Phone Number

7. Email

8. Date of Birth

9. Social Security Number (feel
free to call me with this)

10. Employment Type – Full Time,
Part Time, Retired, Self Employed

11. Total Annual Gross Income

HOME PRICES DOWN
4 MONTHS IN A ROW

The Case Shiller Home Price Index
was released last week. The Index
shows home prices have went down
in recent months, but home prices
have still increased over the last
12 months.

Home prices went down a seasonally
adjusted -.3% from May to June 2025.
Home prices are up 1.9% Year
over Year.

Lower home prices, lower mortgage rates,
and close to 50% of home sales receiving
seller concessions is making home
affordability cheaper right now. It is not
uncommon for us to get home buyers
rates in the 5%’s today with the right
seller concessions.

If you would like to explore this
strategy, please contact me.

Here is the Annual Home Appreciation
figure for the 20 City Index.

 1.New York +7.03%
2. Chicago +6.09%
3. Cleveland +4.47%
4. Detroit +4.32%
5. Boston +4.25%
6. Charlotte +2.55%
7. Minneapolis +2.51%
8. Las Vegas +2.41%
9. Washington +2.17%
10. Portland +1.01%
11. Atlanta +0.94%
12. Seattle +0.90%
13. Los Angeles +0.08%
14. Phoenix -0.06%
15. Miami -0.25%
16. Denver -0.55%
17. San Diego -0.61%
18. Dallas -0.95%
19. San Francisco -1.98%
20. Tampa -2.38%

Hope you have a great week!!