Post Views: 18

Mortgage Rates Hold Steady at 3-Month Lows – Updated with Today’s APRs

It’s been 88 days since the average 30-Year Fixed Mortgage Rate was this low. That means we’re officially back near 3-month lows, giving buyers, investors, and homeowners a meaningful opportunity to act before potential volatility later this week.

Today’s Mortgage Rates (as of July 1, 2025):

• 30-Year Fixed: 6.67% | APR: 6.78%
• 15-Year Fixed: 5.91% | APR: 6.03%
• 30-Year FHA: 6.19% | APR: 6.85%
• 30-Year Jumbo: 6.80% | APR: 6.88%
• 7/6 SOFR ARM: 6.29% | APR: 7.04%
• 30-Year VA: 6.20% | APR: 6.58%

APRs are based on average assumptions and will vary by credit score, loan amount, property type, and state.

What’s Moving the Market?

Bond markets improved late yesterday, leading many lenders to offer slightly better pricing. Some of that gain faded this morning after the latest JOLTS job openings report showed higher-than-expected demand, which tends to push rates higher.

But the real wildcard arrives Thursday morning with the Employment Situation Report, which includes:

• Job creation numbers for June
• Wage growth data
• The updated national unemployment rate

This report could create significant movement in mortgage rates, depending on how the market reacts to the labor data.

Thinking about buying, refinancing, or pulling cash out?

Now is the time to lock in your strategy before Thursday’s volatility hits. Let’s build a custom Loan Comparison Analysis to see what you qualify for, and how much you could save.

Call or Text Christian Penner: 561-316-7544

Book a Time That Works: AMS.Money/Calendar

Watch Rate Trends: AMS.Money/RateRanges

Explore Loan Options: AMS.Money/LoanProducts

Unlock a FREE Custom Quote: AMS.Money/CustomQuote

See All Resources: AMS.Money/CPLinkTree

These APRs are based on average assumptions and will vary by credit score, loan amount, property type, and state.

DISCLAIMER: Some products may not be available in all states. Credit and collateral are subject to approval. This is not a commitment to lend. Programs, rates, terms, and conditions are subject to change without notice. Terms and conditions apply. All rights reserved. America’s Mortgage Solutions NMLS#2009420 – AMS.Money/Mortgage /America’s Mortgage Solutions, Inc. NMLS 2009420

Read from source: “Click Me”

Questions, Comments or For more information you can call

Christian Penner Branch Manager at 561-316-6800 or email us at TheMortgageTeam@ChristianPenner.com

Approval Hotline: 561-316-6800

Helping You Achieve the American Dream of Home Ownership

Or You can click “Call Me” below to call Christian Penner directly using Google Voice

We Specialize in All Types of Financing, Mortgage Loans and Real Estate Deals.

We have been in the Mortgage and Real Estate Business since 1997!

Connect with us on Social Media

Personal Profiles:

America’s Mortgage Solutions:

YouTube Video Playlist Links:

American Dream TV Show | Mortgage Process Steps | Homebot Videos | Traditional Loan Programs | NON-QM & Portfolio Loan Programs

HomeBot: Build more wealth with your home

Homeowners👉https://hmbt.co/nwCdmG
Homebuyers👉 https://hmbt.co/G8fMT
Realtors 👉 https://youtu.be/wXROJXQWgug
Join here Realtors 👉 https://join.homebot.ai/sponsor/368289?type=real-estate-agent

Our goal for you is to help you to minimize your tax liability and maximize your cash flow. In today’s market, a mortgage loan is more than ever a financial instrument that must be tied into your long and short-term personal financial plan. This will allow you to create a debt strategy that will help you to build long-term wealth for you and your family.

Check Our Reviews:

Residential Financing Options:

Temporary Interest Rate Buy-downs on a fixed-rate conventional | FHA | VA loans: 3-2-1, 2/1 or 1/0.

Luxury Sales & Epic Loan Options:

Commercial Financing Options:

Our commercial division and can do business in any state in the country for all types of Commercial Loans for owner occupied properties or for business purposes from $50k to $500M | bridge loans | new construction loans for both owner occupied & for investors for individual single family Developer or Builder Spec Homes Loans | Townhomes | Condos | Real Estate Projects for Single Family Home Communities | Townhome Communities | Ground up new construction condominium buildings | Commercial Buildings | Apartment Complex’s | Mixed-Use Projects | SBA loans for new businesses | new construction | acquisition | Refinancing an exciting Loan | business purpose loans for A/R | inventory or cash flow | Doctor Loans for Business Acquisition & Commercial Real Estate with LTV’s as high as 100% LTV

Keep in mind we shop more than 250 residential and over 10K Commercial banks, lenders & mortgage companies to give you amazingly low rates and the largest product line in the country!

If you have any questions or if you have friends, family or clients, that are buying a home & need a mortgage or want to chat about a scenario just contact us right away:

1) 📅To schedule a time to talk with me just click here: 🔗 Schedule an Appointment with me: Click Here (pick the calendar that fits your specific situation)

2) 🏦 Apply for a mortgage now at www.ChristianPennersLoanApp.com

If you apply, please text me your full name and email address 📱561-373-0987 or

3) 📞Call me directly ☎️561-373-0987

See All of Christian’s Helpful Resource Links Below:🔍 Comprehensive Services for All Your Real Estate, Financing & Disaster Recovery Needs! Whether you’re looking for financing 💰 or to BUY 🏡, SELL 🔄, LEASE 📝, INVEST 💹, or BUILD your DREAM HOME 🏗️ or OFFICE 🏢, we’ve got you covered! From residential properties 🏘️ to commercial real estate & development 🏗️🏬, we provide expert solutions tailored to your needs. Enhance your waterfront property with custom docks 🌊, seawalls 🏗️, and boat lifts ⛵🔼. Need disaster cleanup? Our heavy-duty grapple trucks 🚛💥🛠️ are ready for storm damage 🌪️⚡🔥, fallen debris removal 🏚️🌲💨, and rapid response cleanup 💪🚜⏳. We also specialize in luxury financing for yachts 🛥️, aircrafts ✈️, RVs 🚐, and exotic cars 🚗. Looking for insurance & financial solutions? We offer homeowners & commercial insurance, life insurance, estate planning, and access to top real estate attorneys, CPAs, and financial advisors 📊. Call us TODAY 📞—our team of experts is ready to help you make CONFIDENT decisions 👥💼, no matter your NEED 🎯 or GOAL 🏆! 🏡🏘️ AMS Mortgage Solutions & The Christian Penner Network 🏦📈 🏡 Mortgage, Business & Real Estate Solutions📊 🌟 Christian Penner Personal Site: https://AMS.Money/ChristianPenner 🏦 Mortgage Solutions: https://AMS.Money/Mortgage 💼 Business Financial Services: https://AMS.Money/BFS 🌐 Christian Penner’s LinkTree: https://AMS.Money/CPLinkTree 💰 Loan Products & Mortgage Options: https://AMS.Money/LoanProducts 📚 Helpful Resources & Websites: https://AMS.Money/Resources&Websites 🏘️ Real Estate Solutions & Services: https://AMS.Money/RealEstate 📉 Rate Ranges & Trends: https://AMS.Money/RateRanges ⚖️ Service Level Agreement (SLA): https://AMS.Money/SLA 📊 HomeBot Home Valuation & Market Insights🏡

🏡 Check Your Home Value: https://AMS.Money/CheckYourHomeValue
📈 HomeBot – Market & Equity Insights: https://AMS.Money/HomeBot
📈 HomeBot Real Estate Data: https://AMS.Money/HBRE
🏠 HomeBot Dashboard: https://AMS.Money/HomeBot
💰 Check Your Home Value: https://AMS.Money/CheckYourHomeValue
🔎 Search Homes on HomeBot: https://AMS.Money/SearchHomesOnHomeBot
📲 HomeBot App: https://AMS.Money/HomeBotApp
📱 HomeBot iPhone App: https://AMS.Money/HomeBotiPhoneApp
📳 HomeBot Android App: https://AMS.Money/HomeBotGooglePlay
🎥 KCM Video Blog – Market Updates: https://AMS.Money/KCMVideoBlog
📰 KCM Blog – Real Estate News & Trends: https://AMS.Money/KCMBlog

Real Estate Search & Listings 🏡🔍

🔎 Home Search: https://iRealEstateSearch.com/Search
🏡 Homes for Sale: https://iRealEstateSearch.com/Homes
🚀 Advanced Search: https://iRealEstateSearch.com/Advanced
🔒 Off-Market Homes: https://iRealEstateSearch.com/OffMarket
💰 Buy, Sell & Get Value: https://iRealEstateSearch.com/BuySellGetValue

🚛 🌊Dockside Builders: Rapid & Reliable Disaster Cleanup with Heavy-Duty Grapple Trucks! 🌪️⚡ 🔥 Storm Damage? Fallen Debris? We’ve Got You Covered! 🏚️🌲💨 💪 Fast Response | Expert Cleanup | Heavy-Duty Equipment 🚜⏳ 🏠 Dockside Builders: https://AMS.Money/DocksideBuilders 🌊 🛠️ Disaster Cleanup:https://AMS.Money/Strom&DisasterCleanUp🏗️ Reviews

⭐ AMS Google Review: https://AMS.Money/AMSGoogleReview
🌟 CP Google Review: https://AMS.Money/CPGoogleReview
🔍 AMS Google Search: https://AMS.Money/AMSGoogle
🔎 CP Google Search: https://AMS.Money/CPGoogle

Legal & Compliance 📝🔏 🔒 Privacy Policy: https://AMS.Money/Privacy_Policy 📜 Privacy Policy & Disclosures: https://AMS.Money/Privacy-Policy-Disclosures 📅 Calendars & Scheduling 📅⏳

Call me at 561-316-7544 or book a spot: https://AMS.Money/Calendar 
🌐 Christian Penner's LinkTree: https://AMS.Money/CPLinkTree

Helping You Achieve The American Dream Of Home Ownership.

#AmericasMortgageSolutions #christianpenner #onestopbrokershop #mortgagebrokerwestpalmbeach #epicrealeststedeals #luxuryhomes #LuxurySales&EpicLoanOptions #TheChristianPennerMortgageTeam #buildwealth #mortgagebrokerflorida #theamericandream #finacingtheamericandream #realestate #mortgage #mortgagebroker #thanks #mortgagetips #mortgageadvice #RealEstateJourney #realtor #realestateexpert #realestatelife #realestategoals #realestatetips #realtorlifestyle #realtorsoffacebook #realtorforlife #businesspupose #mortgageloans #HouseHunting #DreamHome #homeownership #vacationhome #secondhome #homebuyer #interestrates #HousingMarket #stoprenting #commercialloans #ResidentialRealEstateDevelopments #CommercialRealEstateDevelopments #Yachts #Aircrafts #RVs #CollectorCars #ExoticCars #roofsolar #solar #roofSolarFinancingPackages #buildequity #planforyourfuture #buildyoufuture #television #host #tvproduction #streaming #travel #amazon #motivational #Agentmastermindclass #HorseFarms #EquestrianCenters #Vineyards #FruitandVegetableFarms #HobbyFarms #RealEstateInvestment #LuxuryRealEstate #PropertyManagement #RealEstateDevelopment #RealEstateAdvice #HomeStaging #RealEstateGoals #PropertyListing #EcoFriendlyHomes #RealEstatePhotography #UrbanRealEstate #SuburbanHomes #RuralProperties #RealEstateMarket #RealEstateForSale #RealEstateBrokerage #HomeRenovation #RealEstateTech #SmartHomeTechnology #GreenRealEstate #RealEstateNetworking #RealEstateSeminars #RealEstateLaw #RealEstateFinance #LuxuryApartments #CommercialProperties #RealEstateAuctions #HistoricHomes #WaterfrontProperties #CondoLiving

🔍 Whether you’re looking for financing 💰 or to BUY 🏡, SELL 🔄, LEASE 📝, INVEST 💹 or BUILD YOUR DREAM HOME 🏗️ or OFFICE 🏢 on Residential Properties 🏘️, Commercial Real Estate 🏬, or Development Commercial Real Estate 🏗️, Yachts 🛥️, Aircrafts ✈️, RVs 🚐, or Exotic Cars 🚗 – call us TODAY 📞. No matter the NEED 🎯 or GOAL 🏆 – let’s make CONFIDENT decisions together 👥💼.

Christian Penner, CMA

President | CEO | Mortgage Broker

NMLS#368289

America’s Mortgage Solutions, Inc NMLS#2009420

Cell/SMS: 561-373-0987

Direct/efax/SMS: 561-316-6800

ChristianPenner.com/MyBusinessCard

https://g.page/TheMortgageTeam

www.AmericasMortgageSolutions.com

Christian Penner

712 U.S. Highway 1 North #300, North Palm Beach, FL 33408

Buyer Referral Hotline: (561) 316-6800

Do you know how much home you can afford?

Most people don’t... Find out in 10 minutes.

Get Pre-Approved Today

See What Our Clients Are Saying About Us

America’s Mortgage Solutions

5.0

Based on 80 reviews

Write a review

Joel Aratare

15:56 08 Feb 24

America mortgage solutions is amazing! Christian Penner and his assistant, Andrea make the mortgage process easy. If you’re looking for the good guys and a team with all your mortgage solutions! Call them today!

Tiago Lopes

18:07 28 Jul 23

As a first time homeowner, Christian Penner made the whole process very easy. He was always available to answer my questions and help with any problems i had. If you’re looking for a mortgage company, I highly recommend America’s Mortgage Solutions. I will definitely use them again and tell all my friends about them

Max Lipton

22:49 24 Jul 23

Christian helped me tremendously through the process of purchasing my home and helping me secure a mortgage. His team has also stayed in contact with useful tools for a homeowner that have really helped me understand my home. The Homebot App is also an extremely helpful tool that has also helped me to make the decision as to when I should consider selling as well.

Lauren W

01:39 19 Jan 23

I'm not the type of person who takes the time to leave reviews, but I truly felt the need to leave one for Christian and his team. This is the hardest working group of professionals that I've encountered in my 14+ years of living in South Florida. I truly thought that I had landed on the best mortgage product available after talking to several different mortgage companies. That is, until I met Christian. I politely told him to get lost but he patiently explained how he could save me money. I was skeptical at first, but he delivered everything he promised and more. His service did not end after the closing. I recently reached out to him for advice and he once again delivered a great solution. Thank you, Christian, I look forward to doing business with you again.

Kevin Coumes

00:39 02 Jun 22

Christian Penner and his team are remarkable! True professionals at their best! I will always use Christian and his team for all of my lender needs in South Florida - period.Marni, Andrea, and Christian are experts at what they do! Call Christian and his team for trusted and expertise that you need when financing real estate!

Brian Sharkey

14:35 22 Sep 21

When you need a local lender as the customer it is important to look for someone who can be organized and prepared for any local issues that can ruin a deal, know the community and how to get you funded on time. Meet Marni from Christian Penner Group for an amazing experience. I recommend you contact her she will call you back shortly.

Jeffrey Zananiri

12:55 14 May 21

Christian and his team provided a stress free, white glove service. Highly recommend.

Jack Dixon

18:06 01 Apr 21

Working with Chris + team was incredible! They reduced our anxiety and stress levels, were tolerant and patient throughout the entire process, and got the deal done in breakneck speed. We're extremely happy in our new home. Highly recommended!

Kathy Letourneau

22:42 14 Feb 21

Beverly Boyett was my representative and she went above and beyond in assisting me with my Refi. She DID what she said she would do... and MORE! Can't express how kind, efficient and knowledge she was. I will definately go back to Hamilton in the future with any home financing needs.

Anthony Messina

22:25 12 Feb 21

Americas mortgage solutions does such an amazing job . Christian and his staff make refinancing about as seamless as it can be . They stay in contact with you if you need a question answered a fast reply is always there. Submitting all the forms was very easy also. They do whatever it takes to make sure your needs and concerns are met. Your name is always mentioned when I hear people talk about a mortgage .so thanks Christian, Becky , Kirstin and Diana sorry if I missed anyone ! for all your help in addressing my concerns AWESOME TEAM !!!

Jordan Volgs And More

15:00 03 Feb 21

If you are having difficulty getting a good deal on a mortgage, I would highly suggest that you contact ‘Christian and his amazing team. They will simply get things done that other companies cannot. And to top it off, his team makes it an absolute priority to get the deal done on time. Do not hesitate to contact Christian.

‹

›

Mortgage Rates Hold Steady at 3-Month Lows – Updated with Today’s APRs

Mortgage Rates Hold Steady at 3-Month Lows – Updated with Today’s APRs

HomeBot: Build more wealth with your home

Check Our Reviews:

Helping You Achieve The American Dream Of Home Ownership.

Christian Penner

See What Our Clients Are Saying About Us

Quick Links

Loan Options

Resources

Contact