By DR Mortgage Company | June 2025
The Federal Reserve recently announced it will hold interest rates steady—and for homebuyers, this is actually good news. Fed’s Rate Decision.
Why? Because stability brings opportunity.
If you’ve been waiting for the right moment to buy or refinance, this pause is a chance to act with clarity and confidence, knowing where the market stands.
What’s Happening with Interest Rates?
In June, the Fed chose to pause any rate hikes, keeping its benchmark federal funds rate unchanged despite calls for cuts. This decision comes as the Fed monitors inflation and the overall economy. While some expected a drop, this rate stability gives buyers and sellers a clear window to plan—without the volatility we’ve seen in recent years.
How This Impacts Your Mortgage Options
While the Fed doesn’t directly set mortgage rates, its decisions influence the financial landscape.
Here’s where things stand now:
- 30-Year Fixed Mortgages are around 6.91%
- 15-Year Fixed Mortgages are about 6.17%
- HELOCs and Adjustable Loans remain elevated
- Credit card APRs and auto loan rates are holding steady
- Savers benefit from high-yield savings and CDs
The takeaway? Rates are no longer rising fast. They’re holding steady—giving you space to move forward without the rush.
Why Now Might Be the Best Time to Buy
At DR Mortgage, we see this pause as an opportunity—not a setback. Here’s why:
- You have more power to negotiate
- Inventory is rising, giving you more choice
- Rates are steady, helping you plan long-term
- You can refinance later if rates drop in the future
And with our smart mortgage solutions, we help you get ahead in today’s market:
- Buydown programs to lower your rate
- Creative loan strategies tailored to your goals
- Fast, digital pre-approvals
- Guidance from trusted Florida-based loan officers ?
What Should You Do Now?
Act while others wait. Markets reward confidence and preparation—and now is your chance to move without the pressure of rising rates.
- Found a home you love? Let’s help you secure it.
- Still browsing? Get pre-approved and be ready to strike.
- Want to refinance? We’ll show you your best options.
Let’s Talk
At DR Mortgage, we’re not just here to give you a loan—we’re here to guide you home.
👉 Visit drmortgagegroup.com or contact one of our loan experts today to explore your next step.
