Mortgage Rates Move Down
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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 6.85%, down from 6.89% last week and 6.99% a year ago. The 15-year fixed-rate mortgage also decreased to 5.99% from 6.03% last week, compared to 6.29% a year ago. Chief Economist Sam Khater notes this decrease is positive news for potential homebuyers, particularly as housing inventory improves and price growth slows. The PMMS focuses on conventional, conforming home purchase loans for borrowers with 20% down payment 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 6,85%, in diminuzione rispetto al 6,89% della settimana scorsa e al 6,99% di un anno fa. Anche il mutuo a tasso fisso a 15 anni è diminuito, passando dal 6,03% della settimana scorsa al 5,99%, rispetto al 6,29% di un anno fa. L'economista capo Sam Khater sottolinea che questa diminuzione rappresenta una buona notizia per i potenziali acquirenti di casa, soprattutto in un contesto di miglioramento dell'offerta immobiliare e rallentamento della crescita dei prezzi. Il PMMS si concentra su prestiti convenzionali conformi per l'acquisto di abitazioni, destinati a mutuatari con un anticipo del 20% e un eccellente credito.
La última Encuesta del Mercado Hipotecario Primario de Freddie Mac revela una caída en las tasas hipotecarias, con la hipoteca fija a 30 años promediando un 6,85%, inferior al 6,89% de la semana pasada y al 6,99% del año anterior. La hipoteca fija a 15 años también disminuyó a 5,99% desde el 6,03% de la semana pasada, en comparación con el 6,29% del año pasado. El economista jefe Sam Khater señala que esta disminución es una buena noticia para los posibles compradores de viviendas, especialmente a medida que mejora el inventario de viviendas y se desacelera el crecimiento de los precios. La PMMS se centra en préstamos convencionales conformes para la compra de viviendas, dirigidos a prestatarios con un pago inicial del 20% y excelente crédito.
프레디맥의 최신 1차 모기지 시장 조사에 따르면, 30년 고정 금리가 평균 6.85%로 지난주 6.89%와 1년 전 6.99%에서 하락했습니다. 15년 고정 금리도 지난주 6.03%에서 5.99%로 내려갔으며, 1년 전 6.29%와 비교됩니다. 수석 경제학자 샘 카터는 주택 재고가 개선되고 가격 상승이 둔화되는 가운데 이 금리 하락이 잠재적 주택 구매자에게 긍정적인 소식이라고 언급했습니다. PMMS는 20% 계약금과 우수한 신용을 가진 차용인을 위한 전통적이고 적격한 주택 구매 대출에 중점을 둡니다.
La dernière enquête sur le marché hypothécaire primaire de Freddie Mac révèle une baisse des taux hypothécaires, avec un taux moyen de 6,85 % pour les prêts hypothécaires fixes sur 30 ans, en baisse par rapport à 6,89 % la semaine dernière et 6,99 % il y a un an. Le taux fixe sur 15 ans a également diminué, passant de 6,03 % la semaine dernière à 5,99 %, contre 6,29 % il y a un an. L'économiste en chef Sam Khater souligne que cette baisse est une bonne nouvelle pour les futurs acheteurs, notamment alors que l'offre de logements s'améliore et que la croissance des prix ralentit. Le PMMS se concentre sur les prêts conventionnels conformes pour l'achat de logements, destinés aux emprunteurs avec un apport de 20 % et un excellent crédit.
Die neueste Primary Mortgage Market Survey von Freddie Mac zeigt einen Rückgang der Hypothekenzinsen, wobei die 30-jährige Festhypothek im Durchschnitt bei 6,85% liegt, gegenüber 6,89% in der Vorwoche und 6,99% vor einem Jahr. Die 15-jährige Festhypothek sank ebenfalls von 6,03% in der Vorwoche auf 5,99%, verglichen mit 6,29% vor einem Jahr. Chefökonom Sam Khater weist darauf hin, dass dieser Rückgang für potenzielle Hauskäufer positive Nachrichten sind, insbesondere da sich das Wohnungsangebot verbessert und das Preiswachstum sich verlangsamt. Die PMMS konzentriert sich auf konventionelle, konforme Wohnungsbaukredite für Kreditnehmer mit 20% Anzahlung und exzellenter Bonität.
Positive
- Mortgage rates decreased with 30-year FRM dropping to 6.85% from 6.89%
- 15-year FRM rates also declined to 5.99% from 6.03%
- Current rates are lower compared to a year ago (6.99% for 30-year and 6.29% for 15-year)
- Housing inventory is improving and house price growth is slowing
Negative
- None.
MCLEAN, Va., June 05, 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
"The average mortgage rate decreased this week, which is welcome news to potential homebuyers who also are seeing inventory improve and house price growth slow,” said Sam Khater, Freddie Mac’s Chief Economist.
News Facts
- The 30-year FRM averaged
6.85% as of June 5, 2025, down from last week when it averaged6.89% . A year ago at this time, the 30-year FRM averaged6.99% . - The 15-year FRM averaged
5.99% , down from last week when it averaged6.03% . A year ago at this time, the 15-year FRM averaged6.29% .
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:
Angela Waugaman
(703)714-0644
Angela_Waugaman@FreddieMac.com
A photo accompanying this announcement is available at https://www.globenewswire.com/NewsRoom/AttachmentNg/5bd089cd-8f91-4e64-99c8-3fbef3ee0689
FAQ
What are the current Freddie Mac 30-year mortgage rates as of June 2025?
According to Freddie Mac's PMMS, the 30-year fixed-rate mortgage averaged 6.85% as of June 5, 2025.
How much did FMCC mortgage rates change from the previous week?
The 30-year FRM decreased from 6.89% to 6.85%, while the 15-year FRM dropped from 6.03% to 5.99%.
How do current Freddie Mac mortgage rates compare to last year?
Current rates are lower than a year ago, with the 30-year FRM at 6.85% compared to 6.99%, and the 15-year FRM at 5.99% compared to 6.29%.
What is Freddie Mac's PMMS survey criteria?
The PMMS focuses on conventional, conforming home purchase loans for borrowers with 20% down payment and excellent credit.
What trends are affecting the housing market according to Freddie Mac?
According to Freddie Mac's Chief Economist, housing inventory is improving and house price growth is slowing, alongside decreasing mortgage rates.
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