Mortgage Rates 📢 October 14th, 2025

INTEREST RATES

Rate data as of morning of publication. Unless noted otherwise, all scenarios are assuming 30 Year-Fixed mortgage, Purchase or R/T Refinance. No origination points charged, 780 FICO score, and 20% down payment. Provided for consumer education only and does not serve as a binding offer to extend lending. Payment period, interest rate, APR, and other terms subject to income, asset, and credit profile qualification. Provided courtesy of GTG Financial, Inc. NMLS 1595076. Equal housing opportunity. www.nmlsconsumeraccess.org

💡 Why This Matters

The ongoing government shutdown has actually worked in favor of mortgage rates, at least for now. When the government closes, markets grow nervous about slower spending, missed paychecks, and broader economic drag. That uncertainty often sends investors looking for safer assets like U.S. Treasury and Mortgage Bonds.

💡 Here’s what that means:

• 📉 Bond yields fall when investors pile in for safety.

• 🏠 Mortgage rates follow, since they’re closely tied to bond performance.

• 💬 As long as the shutdown continues, rates could stay in this softer range, but once a resolution is reached, expect volatility as markets rebalance.

Realtor Insight:
Lower rates mean renewed affordability for sidelined buyers. Encourage clients to re-check their pre-approvals. A small dip in rates can open up $15K to $25K in extra buying power depending on the loan size.