What Buyers and Sellers Should Know This Week
As of mid-June 2025, mortgage rates have drifted slightly higher to start the week, despite a relatively calm news cycle in terms of economic data. While political and global headlines have been plentiful, they haven’t directly influenced the bond market in any dramatic way. Yet, rates have crept upward, reflecting subtle market shifts that homebuyers and real estate professionals alike should take note of.
Why Are Mortgage Rates Rising Now?
The slight increase in mortgage rates could be attributed to several factors, even if no single event stands out:
- Market Rebalancing After Last Week’s Drop: Mortgage rates saw a notable dip last Thursday, which may have triggered some traders to take profits or prepare for a market correction. As a result, bond prices fell and yields (which influence mortgage rates) ticked up.
- Anticipation of Economic Data and Fed News: Investors often adjust their strategies ahead of major announcements. With key reports like the U.S. Retail Sales data expected on Tuesday and a Federal Reserve meeting scheduled for Wednesday, the market is showing signs of caution. These events can move bond yields significantly—particularly the Fed’s update to its interest rate outlook, even if no rate change is expected at this meeting.
Where Rates Stand Now
The good news for buyers: despite the modest increase, mortgage rates remain within a relatively stable range. In fact, over the last two months, rates have traded in a sideways pattern, neither climbing significantly nor falling sharply. Looking back even further, rates have been fairly steady since November 2024.
This stability can provide a degree of predictability for those looking to enter the housing market. While rates are not at historic lows, they are also not at recent highs—creating a “middle ground” market that many experts see as a reasonable time to lock in a rate.
What This Means for Buyers and Sellers
For buyers, the current market offers an opportunity to purchase before any potential rate increases later this year. If inflation remains sticky or economic data remains strong, the Fed may keep rates higher for longer—or even hint at future increases—impacting affordability.
For sellers, the slightly higher rates may nudge some buyers to act quickly before borrowing costs increase. Pricing your home competitively and presenting it well could help you capture motivated buyers in today’s uncertain rate environment.
What to Watch This Week
- Tuesday, June 17 – Retail Sales Report: A stronger-than-expected report could signal a resilient economy and push rates higher.
- Wednesday, June 18 – Federal Reserve Meeting: Although no rate cut is expected, the Fed will update its economic projections and interest rate path—information that can heavily influence mortgage markets.
Conclusion: Steady for Now, But Stay Alert
Mortgage rates may have risen slightly to start the week, but they remain within a consistent and manageable range. As the market awaits fresh data and Fed guidance, both buyers and sellers should stay informed and be prepared to act quickly. A slight move in rates could create new urgency—or new opportunities—in the days ahead.
Ready to Buy or Sell in Today’s Market?
At Boutique Realty, we help clients navigate every twist and turn in the real estate market—from rate shifts to local trends. Whether you’re considering buying your first home, upsizing, or selling your current property, our expert team is here to guide you every step of the way.
📞 Call or text Allen Brodetsky at (818) 312-0831
📧 Email: al***@**********la.com
Let’s make your next move a confident one.