Mortgage Rates Today: July 4, 2025

Written by: Sam Zehnder
  |  1 min read

Mortgage Rate Update: Rates Hold Steady Despite Strong Jobs Report

After hitting a two-month low last week, mortgage rates remained mostly flat this week, showing surprising stability—even after a strong jobs report was released. For buyers and sellers alike, this is welcome news as we move deeper into the summer market.

 

Why Did Rates Stay the Same?

Typically, a strong labor market—like the one reflected in this week’s jobs data—can put upward pressure on mortgage rates, since it signals a healthy economy. But this time, markets didn’t overreact. The steadiness suggests that investors are still weighing other economic indicators, like inflation trends and the potential for Federal Reserve rate cuts later this year.

What to Watch Next Week

Looking ahead, all eyes will be on upcoming CPI report and commentary from the Fed. If inflation continues to cool, we could see more movement in mortgage rates—possibly even more downward pressure. However, any surprises in the data could shift the market quickly.

 

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