Published by The TRES Group | July, 2025
After more than two weeks of steady declines, mortgage rates saw a small uptick today — rising 0.06% for top-tier 30-year fixed loans. This marks the end of an 11-day streak of improvements, but rates remain near their lowest point since early April.
What Does This Mean for Borrowers?
While any increase may seem concerning at first glance, this adjustment was widely anticipated by market analysts. After such a long stretch of downward movement, a small bounce is not only normal — it’s healthy. The big picture? We’re still in a favorable rate environment, and borrowers continue to have access to attractive options for both purchases and refinances.
What’s Driving the Shift?
This slight increase comes ahead of two major economic events: Jobs Report (July 3rd) – A key indicator of economic health that could sway future interest rate policy. Inflation Data (July 15th) – A critical data point for the Federal Reserve, which may determine whether we see a rate cut later this month. Rates often “pause” or shift slightly in anticipation of high-impact reports like these — which is exactly what we’re seeing today.
The Takeaway: Timing Still Matters
Market conditions are still favorable, but as we approach these key reports, volatility could increase. For buyers, owners looking to refinance, or real estate professionals advising clients, now is a good time to act with clarity and strategy.
At The TRES Group, we help our clients move forward with confidence — whether you’re locking in a rate, planning a refinance, or navigating next steps in a deal.
Let’s Talk Strategy
If you’re wondering how this shift impacts your clients — or your own goals — we’re here to help. Let’s make smart, informed decisions together.
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