Anticipated Interest Rates for Upcoming 60-Day Mortgage Period
Mortgage Rates Forecast for August to October 2025
Staying informed about housing trends is crucial for homebuyers, and subscribing to Freddie Mac's updates or following reliable sources can help keep you up-to-date. Here's what the financial experts are predicting for mortgage rates over the next 60 days.
Financial experts generally project that 30-year fixed mortgage rates will remain relatively stable around the 6.5% to 6.8% range over the next 60 days (August to October 2025), with a slight gradual decline potentially bringing them to about 6.4% by the end of the year. Most forecasts expect only modest movement and emphasize that unexpected economic events could push rates slightly higher or lower within this band.
According to Freddie Mac, rates are expected to hover between 6.5% and 6.8% in the near term, declining gradually to around 6.4% by year-end. The Mortgage Bankers Association (MBA) projects around 6.8% through Q3 2025, possibly dipping to 6.7% by Q4. Fannie Mae forecasts rates in the 6.5%-6.6% range in September and October, driven by easing inflation. The National Association of Realtors (NAR) predicts rates will average about 6.4% in the second half of 2025, dipping to around 6.1% in 2026.
For 15-year fixed rates, forecasts suggest a similar trajectory in the 5.7% to 6.0% range over the next 60 days.
Economic factors, especially the Federal Reserve's monetary policy and inflation trends, critically influence rates. The Fed's potential future rate cuts could lead to further mortgage rate easing, but rates are expected to remain above 6% through 2025 and into 2026 with only gradual declines.
It's worth noting that shopping around for different lenders could save thousands over the long haul. If you're paying more than around 7%, refinancing might be a good idea if rates go closer to 6.4%.
Adjustable-rate mortgages (ARMs) might save money at first, but they can be risky if rates go up. A 15-year FRM will have a lower rate, but bigger monthly payments. As of August 2025, the average 15-year fixed-rate mortgage (FRM) is at 5.75%.
Inflation can cause mortgage rates to rise. The Fed keeps a close eye on the Core Personal Consumption Expenditure (PCE) index to gauge inflation. Watching news about inflation reports and Fed announcements can help predict mortgage rates. 10-year Treasury yields are a good indicator of where mortgage rates are heading. They can be affected by tariff announcements.
Investing in turnkey rental properties in resilient markets, such as those offered by Norada, can help build steady cash flow and protect wealth from borrowing cost volatility.
As always, it's essential to consult with a financial advisor or mortgage expert to make informed decisions about your home loan.
[1] Freddie Mac - Primary Mortgage Market Survey [2] Mortgage Bankers Association - Weekly Applications Survey [3] Fannie Mae - Economic and Strategic Research [4] Bankrate - Weekly Mortgage Rate Trend Index
- For those interested in homebuying, staying updated on housing trends is vital, and subscribing to sources like Freddie Mac's updates or following reliable news outlets can help.
- Financial experts predict that 30-year fixed mortgage rates will remain in the 6.5% to 6.8% range over the next 60 days, with a slight decline possible by the end of the year.
- The Mortgage Bankers Association projects rates at around 6.8% through Q3 2025, possibly dipping to 6.7% by Q4.
- Fannie Mae predicts rates in the 6.5%-6.6% range in September and October, driven by easing inflation.
- Economic factors, especially the Federal Reserve's monetary policy and inflation trends, significantly impact mortgage rates, with rates expected to remain above 6% for the rest of 2025 and part of 2026.
- Shopping around for various lenders could save thousands in the long run, and refinancing might be a good idea if rates drop closer to 6.4% and you're currently paying more than around 7%.
- Investing in turnkey rental properties in resilient markets can help build steady cash flow and safeguard wealth from borrowing cost volatility. It's crucial to consult with a financial advisor or mortgage expert for informed decisions about your home loan investments.[1] Freddie Mac - Primary Mortgage Market Survey [2] Mortgage Bankers Association - Weekly Applications Survey [3] Fannie Mae - Economic and Strategic Research [4] Bankrate - Weekly Mortgage Rate Trend Index
