Predicting daily mortgage interest rates for the next 30 days (August 13, 2025, to September 12, 2025) is challenging due to the influence of multiple dynamic factors, including Federal Reserve policies, inflation trends, economic data, and global events. However, based on available expert forecasts and current trends, I can provide an informed projection for the 30-year fixed mortgage rate, which is the most commonly referenced benchmark. Note that daily fluctuations are typically small, often within a range of a few basis points (1 basis point = 0.01%), unless significant economic events occur.
Current Context
As of August 12, 2025, the average 30-year fixed mortgage rate is approximately **6.58%**, according to recent data from posts on X and aligns with reports from sources like Freddie Mac, which noted a rate of **6.63%** on August 7, 2025. Recent trends show rates have been relatively stable, hovering between **6.5% and 7%** for several months, with minor weekly variations.[](https://www.noradarealestate.com/blog/mortgage-rates-predictions-next-90-days-august-to-october-2025/)[](https://www.noradarealestate.com/blog/mortgage-rates-predictions-next-90-days-august-to-october-2025/)[](https://www.noradarealestate.com/blog/mortgage-rates-predictions-for-the-next-30-days-july-22-august-22/)
Key Factors Influencing Rates
1. Federal Reserve Policy: The Federal Reserve has maintained the federal funds rate at **4.25% to 4.5%** since December 2024, with a pause in rate cuts at the June 2025 meeting. Experts suggest a potential rate cut in September 2025 if inflation continues to cool and economic growth slows, which could slightly lower mortgage rates.[](https://www.forbes.com/advisor/mortgages/mortgage-interest-rates-forecast/)[](https://www.noradarealestate.com/blog/mortgage-rates-predictions-next-90-days-august-to-october-2025/)
2. Inflation: Core inflation is at **2.8%** year-over-year, approaching the Fed’s 2% target. If inflation remains stable or decreases further, it could support a modest decline in mortgage rates.[](https://www.noradarealestate.com/blog/mortgage-rates-predictions-next-90-days-august-to-october-2025/)
3. 10-Year Treasury Yield: Mortgage rates closely track the 10-year Treasury yield, currently at **4.30%** as of August 12, 2025. Stable or declining yields could keep mortgage rates steady or slightly lower.
4. Economic and Geopolitical Events: Unexpected events, such as changes in trade policies (e.g., tariffs) or geopolitical tensions, could introduce volatility, potentially pushing rates higher if inflation spikes.[](https://www.forbes.com/advisor/mortgages/mortgage-interest-rates-forecast/)[](https://www.housebuyersofamerica.com/blog/interest-rate-forecast-2025)
Daily Mortgage Rate Prediction for August 13, 2025 – September 12, 2025
Given the current stability in rates and expert projections, the 30-year fixed mortgage rate is expected to **hover between 6.4% and 6.8%** over the next 30 days, with a slight downward bias toward the lower end of this range by early September if economic indicators (e.g., cooling inflation or weaker job growth) support a Federal Reserve rate cut in September. Daily fluctuations are likely to be minimal, typically **±0.01% to ±0.05%**, barring major economic surprises.[](https://www.noradarealestate.com/blog/mortgage-rates-predictions-next-90-days-august-to-october-2025/)[](https://www.noradarealestate.com/blog/mortgage-rates-predictions-for-the-next-30-days-july-22-august-22/)
Here’s a projected range for the 30-year fixed mortgage rate:
- Week 1 (August 13–19, 2025): ~6.55%–6.65%. Rates are likely to remain stable, starting close to the current 6.58%. Minor dips or increases may occur based on weekly economic reports, such as jobs or inflation data.
- Week 2 (August 20–26, 2025): ~6.50%–6.60%. A slight decline is possible if inflation data continues to show cooling (e.g., closer to 2%) or if the 10-year Treasury yield softens.[](https://www.noradarealestate.com/blog/mortgage-rates-predictions-next-90-days-august-to-october-2025/)
- Week 3 (August 27–September 2, 2025): ~6.45%–6.55%. Continued stability with a potential dip toward 6.45% as markets anticipate the Fed’s September meeting.[](https://www.noradarealestate.com/blog/mortgage-rates-predictions-next-90-days-august-to-october-2025/)
- Week 4 (September 3–12, 2025): ~6.40%–6.50%. Rates may trend toward the lower end of the range if economic data supports expectations of a Fed rate cut, though significant drops below 6.4% are unlikely without major policy shifts.[](https://www.noradarealestate.com/blog/mortgage-rates-predictions-next-90-days-august-to-october-2025/)[](https://capital.com/en-int/analysis/mortgage-rate-forecast)
Specific Daily Considerations
- Daily Volatility: Expect daily changes of **±0.01% to ±0.03%** under normal conditions, driven by bond market movements or minor economic updates. For example, a stronger-than-expected jobs report could push rates up slightly (e.g., 6.60%–6.65%), while weaker data could pull rates down (e.g., 6.50%–6.55%).
- Key Dates to Watch:
- August 29–30, 2025: The Fed’s next FOMC meeting. While a rate cut is unlikely in August, any signals about September could influence rates.[](https://www.forbes.com/advisor/mortgages/mortgage-interest-rates-forecast/)
- September 3–12, 2025: Inflation reports (e.g., CPI or PPI) and jobs data could cause small adjustments. A favorable report might push rates toward 6.40%–6.45%.[](https://www.mortgageresearch.com/articles/2025-mortgage-rate-forecast-experts-weigh-in/)
- Geopolitical Risks: Sudden events (e.g., trade policy announcements or Middle East tensions) could cause brief spikes, potentially pushing rates toward 6.7% or higher temporarily.[](https://www.forbes.com/advisor/mortgages/mortgage-interest-rates-forecast/)
Expert Consensus
- Mortgage Bankers Association (MBA): Predicts rates at **6.8%** for Q3 2025 (July–September), dropping to 6.7% by Q4 (October–December).(https://www.noradarealestate.com/blog/mortgage-rates-predictions-next-90-days-august-to-october-2025/)
- Fannie Mae: Forecasts rates moving toward **6.4%** by Q4 2025.(https://www.noradarealestate.com/blog/mortgage-rates-predictions-next-90-days-august-to-october-2025/) - (https://capital.com/en-int/analysis/mortgage-rate-forecast)
- Norada Real Estate: Suggests rates will stay in the 6.4%–6.8% range through October, with a possible dip to 6.4% by early fall if the economy cools.[(https://www.noradarealestate.com/blog/mortgage-rates-predictions-next-90-days-august-to-october-2025/)
- Long Forecast: Projects a slight decline to 6.51% by the end of August and 6.45% by September 2025. (https://longforecast.com/mortgage-interest-rates-forecast-2017-2018-2019-2020-2021-30-year-15-year)
Caveats
- Uncertainty: Forecasts are based on current data and assumptions. Unexpected events (e.g., new tariffs, geopolitical shocks, or labor market shifts) could alter trends.(https://www.forbes.com/advisor/mortgages/mortgage-interest-rates-forecast/)(https://www.mortgageresearch.com/articles/2025-mortgage-rate-forecast-experts-weigh-in/)
- Individual Rates: Actual rates depend on borrower-specific factors like credit score, loan-to-value ratio, and lender policies.[](https://www.noradarealestate.com/blog/mortgage-rates-predictions-next-90-days-august-to-october-2025/)
- No Dramatic Drops: Experts agree that rates are unlikely to fall below 6% in the next 30 days due to persistent inflation and economic strength.(https://www.housebuyersofamerica.com/blog/interest-rate-forecast-2025)
Recommendations for Borrowers
- Monitor Weekly Reports: Track updates from Freddie Mac or MBA for real-time rate changes.[](https://www.noradarealestate.com/blog/mortgage-rates-predictions-next-90-days-august-to-october-2025/)
- Consider Rate Locks: If buying or refinancing, locking in a rate around 6.5%–6.6% could protect against potential increases.[](https://www.noradarealestate.com/blog/mortgage-rates-predictions-next-90-days-august-to-october-2025/)[](https://propertychecker.com/blog/mortgage-rates-forecast-for-2025)
- Shop Around: Compare offers from multiple lenders, as rates can vary based on your financial profile. (https://www.noradarealestate.com/blog/mortgage-rates-predictions-next-90-days-august-to-october-2025/)
- Stay Flexible: If rates dip toward 6.4% by early September, it may be a good window to act, but don’t wait for rates below 6.0%, as they’re unlikely in this period.(https://www.housebuyersofamerica.com/blog/interest-rate-forecast-2025)
Conclusion
For the next 30 days, expect 30-year fixed mortgage rates to fluctuate daily within a narrow range of 6.40%–6.80%, starting around 6.55%–6.65% and potentially easing to 6.40%–6.50% by mid-September if economic conditions favor a Fed rate cut. Daily changes will likely be small unless major economic or geopolitical events occur. For personalized rates, consult lenders directly, and consider locking in if you find a competitive offer.
If you need a visual representation of these trends or more specific data for a particular day, let me know, and I can refine the response or create a chart if numerical data is provided!(https://www.forbes.com/advisor/mortgages/mortgage-interest-rates-forecast/)(https://longforecast.com/mortgage-interest-rates-forecast-2017-2018-2019-2020-2021-30-year-15-year)[](https://www.noradarealestate.com/blog/mortgage-rates-predictions-next-90-days-august-to-october-2025/)
