Mortgage Rates Creep Lower
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Freddie Mac's latest Primary Mortgage Market Survey reveals a decline in mortgage rates, with the 30-year fixed-rate mortgage averaging 6.81%, down from 6.84% last week and 6.87% a year ago. The 15-year fixed-rate mortgage averaged 5.96%, slightly lower than last week's 5.97% and down from 6.13% a year ago. Chief Economist Sam Khater notes this four-week low in rates, combined with increased housing inventory, could encourage potential homebuyers to enter the market. The survey focuses on conventional, conforming home purchase loans for borrowers with 20% down payments and excellent credit.
L'ultimo Primary Mortgage Market Survey di Freddie Mac mostra un calo dei tassi ipotecari, con il mutuo a tasso fisso a 30 anni che si attesta in media al 6,81%, in diminuzione rispetto al 6,84% della settimana scorsa e al 6,87% di un anno fa. Il mutuo a tasso fisso a 15 anni ha registrato una media del 5,96%, leggermente inferiore al 5,97% della settimana precedente e al 6,13% di un anno fa. Il capo economista Sam Khater sottolinea come questo minimo dei tassi in quattro settimane, unito a un aumento dell'inventario immobiliare, potrebbe incentivare i potenziali acquirenti a entrare nel mercato. L'indagine si concentra sui prestiti convenzionali conformi per l'acquisto di abitazioni, destinati a mutuatari con un acconto del 20% e un'ottima situazione creditizia.
La última encuesta del mercado hipotecario primario de Freddie Mac revela una disminución en las tasas hipotecarias, con la hipoteca fija a 30 años promediando un 6,81%, bajando desde el 6,84% de la semana pasada y el 6,87% de hace un año. La hipoteca fija a 15 años promedió un 5,96%, ligeramente inferior al 5,97% de la semana pasada y al 6,13% de hace un año. El economista jefe Sam Khater señala que este mínimo en las tasas en cuatro semanas, junto con un aumento en el inventario de viviendas, podría motivar a los posibles compradores a ingresar al mercado. La encuesta se centra en préstamos convencionales conformes para la compra de viviendas, dirigidos a prestatarios con un pago inicial del 20% y excelente crédito.
프레디 맥의 최신 1차 모기지 시장 조사에 따르면, 30년 고정 금리 모기지 평균 금리가 6.81%로 하락했으며, 이는 지난주 6.84%와 1년 전 6.87%보다 낮은 수치입니다. 15년 고정 금리 모기지는 평균 5.96%로, 지난주 5.97%보다 약간 낮고 1년 전 6.13%보다 하락했습니다. 수석 경제학자 샘 카터는 4주 만에 최저 수준인 금리와 주택 재고 증가가 잠재적 주택 구매자들이 시장에 진입하도록 유도할 수 있다고 언급했습니다. 이 조사는 20%의 계약금과 우수한 신용을 가진 차용인을 위한 전통적이고 규격에 맞는 주택 구매 대출에 초점을 맞추고 있습니다.
La dernière enquête du marché hypothécaire primaire de Freddie Mac révèle une baisse des taux hypothécaires, avec un taux fixe sur 30 ans en moyenne à 6,81 %, contre 6,84 % la semaine dernière et 6,87 % il y a un an. Le taux fixe sur 15 ans est en moyenne de 5,96 %, légèrement inférieur à 5,97 % la semaine dernière et en baisse par rapport à 6,13 % il y a un an. L'économiste en chef Sam Khater note que ce niveau bas des taux sur quatre semaines, combiné à une augmentation de l'inventaire de logements, pourrait encourager les acheteurs potentiels à entrer sur le marché. L'enquête porte sur les prêts hypothécaires conventionnels conformes pour l'achat de logements, destinés aux emprunteurs disposant d'un apport de 20 % et d'un excellent crédit.
Die neueste Primary Mortgage Market Survey von Freddie Mac zeigt einen Rückgang der Hypothekenzinsen, wobei der 30-jährige Festzins-Hypothekendarlehen durchschnittlich bei 6,81 % liegt, gegenüber 6,84 % in der Vorwoche und 6,87 % vor einem Jahr. Der 15-jährige Festzins-Hypothekendarlehen lag im Durchschnitt bei 5,96 %, etwas niedriger als 5,97 % in der Vorwoche und 6,13 % vor einem Jahr. Chefökonom Sam Khater weist darauf hin, dass dieses Vier-Wochen-Tief bei den Zinsen in Kombination mit einem erhöhten Wohnungsangebot potenzielle Käufer dazu ermutigen könnte, in den Markt einzutreten. Die Umfrage konzentriert sich auf konventionelle, konforme Wohnungsbaudarlehen für Kreditnehmer mit 20 % Anzahlung und ausgezeichneter Bonität.
Positive
- Mortgage rates decreased to a four-week low at 6.81%
- 15-year FRM rates decreased year-over-year from 6.13% to 5.96%
- Increased housing inventory availability for homebuyers
Negative
- Mortgage rates remain relatively high compared to historical averages
- Only slight weekly decrease in rates (0.03% for 30-year FRM, 0.01% for 15-year FRM)
MCLEAN, Va., June 18, 2025 (GLOBE NEWSWIRE) -- Freddie Mac (OTCQB: FMCC) today released the results of its Primary Mortgage Market Survey® (PMMS®), showing the 30-year fixed-rate mortgage (FRM) averaged
“Mortgage rates moved lower, with the average 30-year fixed rate reaching a four-week low,” said Sam Khater, Freddie Mac’s Chief Economist. “More available inventory to choose from, coupled with this week’s decline in mortgage rates, could be the spark to get potential homebuyers off the sidelines.”
News Facts
- The 30-year FRM averaged
6.81% as of June 18, 2025, down from last week when it averaged6.84% . A year ago at this time, the 30-year FRM averaged6.87% . - The 15-year FRM averaged
5.96% , slightly down from last week when it averaged5.97% . A year ago at this time, the 15-year FRM averaged6.13% .
The PMMS® is focused on conventional, conforming, fully amortizing home purchase loans for borrowers who put
Freddie Mac’s mission is to make home possible for families across the nation. We promote liquidity, stability and affordability in the housing market throughout all economic cycles. Since 1970, we have helped tens of millions of families buy, rent or keep their home. Learn More: Website | Consumers | X | LinkedIn | Facebook | Instagram | YouTube
MEDIA CONTACT:
Mollie Laniado
(571)382-1784
Mollie_Laniado@FreddieMac.com
A photo accompanying this announcement is available at https://www.globenewswire.com/NewsRoom/AttachmentNg/ec5cc9a0-b888-4c87-959c-caa47c4a6e64
FAQ
What is the current 30-year fixed mortgage rate for Freddie Mac (FMCC)?
As of June 18, 2025, Freddie Mac's Primary Mortgage Market Survey shows the 30-year fixed-rate mortgage averaging 6.81%, down from 6.84% the previous week.
How much has the 15-year fixed mortgage rate changed for Freddie Mac (FMCC)?
The 15-year fixed-rate mortgage averaged 5.96%, slightly down from 5.97% last week and lower than the 6.13% rate from a year ago.
What is Freddie Mac's PMMS survey criteria?
The PMMS focuses on conventional, conforming home purchase loans for borrowers who make a 20% down payment and have excellent credit.
What does Freddie Mac's Chief Economist say about current mortgage rates?
Sam Khater states that increased inventory and lower mortgage rates could encourage potential homebuyers to enter the market.
How do current mortgage rates compare to last year for Freddie Mac (FMCC)?
The current 30-year FRM rate of 6.81% is slightly lower than the year-ago rate of 6.87%, while the 15-year FRM rate of 5.96% is notably lower than the year-ago rate of 6.13%.
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