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U.S. Mortgage Rates Drop Again: July 2025 Update

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By Vedprakash sahu

Credit Scoring Shake-Up & Fed Rate Outlook Explained

There is a slight decline in mortgage rates, but the carrying capacity still remains difficult. A new credit scoring model awakens the hope of more equitable loan, while the next step of the Fed will probably determine whether relief will continue in the housing sector or not.


Mortgage rates as of July 2025, subject to market changes.


Mortgage Rates Reach 3-Month Low

  • According to Freddie Mac, 30-year-old fixed mortgage rates have decreased to 6.67%, which is the lowest level since April 2025.
  • Major platforms like Bankrate and Investopedia report rates up to 6.69% to 6.83% on the basis of state and lender.

Trends: This is a fifth weekly decline, which gives a little relief to home buyers.


Housing Market Outlook

  • High mortgage rates remain challenged for buyers for the first time, while the landlords are getting benefit from demanding record rental.
  • Pending housing is seen signs of minor improvements.
  • Experts estimate that by 2025 rates will be between 6% -7%.


Fed Interest Rate Update

  • The Federal Reserve stabilized interest rates in June at 5.25% -5.50%.
  • There is no hope of cut in interest rates in July.
  • However, in September the market expectations are increasing (71% chances).
  • June supports strong employment figures (increase of 147,000, 4.1% unemployment) to support the alert stance of the Fed.


Credit Scoring Disruption: VantageScore Approved

  • Fannie Mae and Freddie Mac will now accept Vantagescore 4.0 along with the FICO score for hostages.
  • Inspired by the FICO value increase, the purpose of this step is to increase the competition among the lenders and reduce the cost for the borrowers.
  • After the announcement of the FHFA, the shares of FICO declined by 15%.


What Homebuyers Should Know

  • Lock rates shortly: The current decline may be temporary.
  • Check both FICO and Vantagescore: New options can increase the possibilities of approval.
  • See the September meeting of the Fed: It can shape the trend of rate for the remaining time of 2025.


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