Published by DR Mortgage | July 2025
A Promising Trend for Borrowers and Real Estate Professionals
Mortgage rates have been steadily improving over the past several weeks.
Since peaking on May 21st, rates have shown a consistent downward trend—especially after June 6th. The 30-year fixed rate has dropped nearly 0.25%, with an additional 0.07% decrease recorded just today.
This marks a five-day streak of declines, offering a timely opportunity for both homebuyers and those working in the mortgage and real estate industries.
What’s Driving the Drop?
While falling rates typically follow weak economic data, that’s not the case this time. Market indicators remain strong, including equities, which suggests the shift is being driven by broader expectations.
Specifically, the bond market is beginning to price in a lower Federal Funds Rate in the near future. This outlook is contributing to improved mortgage pricing and overall borrowing conditions.
The Opportunity—And the Caution
Rate drops like these can be short-lived. While five days of declines are promising, history shows that long streaks tend to end with a bounce—sometimes minor, sometimes more pronounced. Some of the longest streaks last 10 or more days, but they’re the exception, not the rule.
That means timing matters. The window to lock in lower rates may close as quickly as it opened.
Strategic Takeaways for Loan Officers and Realtors
Reconnect with clients: Reach out to those who may have paused their home search earlier this year.
Encourage rate locks: This is an ideal time for borrowers to secure favorable terms before the market shifts.
Stay ahead of the curve: Demonstrating market awareness adds value and builds trust with clients.
Ready to Act?
At DR Mortgage, we help Loan Officers, Realtors, and their clients take advantage of every market movement with clarity, speed, and confidence.
Contact us today to discuss how we can support your pipeline and help more buyers secure their homes under better conditions.
