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Mortgage Rates at 10-Month Lows! Big Opportunity!

Mortgage rates are holding near 10-month lows after early August’s jobs report and mixed inflation data. Here’s what homebuyers and homeowners need to know.
Aug 14, 2025

As we look back at the first two weeks of August and into mid-Q3, here’s what we know: mortgage rates are holding steady near their lowest levels since October 2024.


That’s a big deal if you’ve been thinking about buying a home, refinancing, or just trying to time the market.

What Happened Earlier This Month?

It started with the early August jobs report, which came in weaker than expected. That news gave the bond market a boost—and since mortgage rates are closely tied to bonds, rates dropped fast over the course of two days.

Since then, rates have been remarkably stable, sticking to the mid-6% range for top-tier buyers. Even minor bumps along the way haven’t changed the bigger picture.

What’s Happening Now?

Despite a few volatile moments in the market this week—especially from Tuesday’s inflation report—mortgage rates haven’t moved much. The inflation data was mixed: some prices are still rising (especially in services), while housing-related costs are continuing to cool off.

The result? The Fed may still cut rates in September, and mortgage rates continue to reflect that possibility. As of August 14, they’re still near 10-month lows.

Why This Matters for You

In today’s housing market, every fraction of a percent matters. A lower rate can mean:

  • More affordable monthly payments

  • Qualifying for a higher home price

  • More favorable refinance terms

If you’ve been waiting for the right moment to run the numbers or explore your options, this is it. Even though the market is stable now, upcoming data could shift things quickly.

Key Takeaways

  • ???? Rates dropped after the early August jobs report and have stayed low

  • ???? Inflation data this week didn’t shake the market much

  • ???? Buyers and homeowners have a strong opportunity to lock in rates before any potential market movement

Let’s Talk!
Whether you’re buying your first home, refinancing, or just watching the market—now’s a great time to check your numbers and make a plan.

Just comment, message, or give me a call—I’m here to help.

Source: Mortgage News Daily

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