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🏡 July 2025 Mortgage Rate Update for Tri-Cities, TN

Dated: July 1 2025

Views: 324

🏡 July 2025 Mortgage Rate Update for Tri-Cities, TN

As we move into July 2025, homebuyers and homeowners across Tri-Cities, TN—including Johnson City, Kingsport, and Bristol—are keeping a close eye on mortgage rates. Whether you're buying your first home, upgrading, or refinancing, understanding the current rate trends can help you make informed decisions.

📈 July 2025 Mortgage Rate Highlights

As of July 1, 2025, here’s what you need to know:

  • 30-Year Fixed Mortgage: ~6.45% – 6.65%

  • 15-Year Fixed Mortgage: ~5.75% – 5.95%

  • 5/1 Adjustable Rate Mortgage (ARM): ~5.90% – 6.10%

Note: Rates vary based on credit score, down payment, loan type, and lender. Always consult a trusted mortgage professional for personalized quotes.

💬 What This Means for Tri-Cities Buyers

The market has slightly stabilized after months of fluctuation, but rates are still higher than they were just two years ago. That said, the Tri-Cities region remains one of the most affordable housing markets in Tennessee, making this a great time to act before rates rise again.

Tip: A strong pre-approval letter can still give you a competitive edge in this market!


🛠️ Tools to Help You


🧭 Local Insight from a Tri-Cities Realtor

I’m John S. Wagner, your local Tri-Cities real estate expert. Whether you're looking in Blountville, Bristol, Kingsport, Elizabethton, Gray, or Johnson City, I’m here to help you navigate the market with confidence and clarity.

📧 Email: WagsworldRealtor@gmail.com
📱 Call/Text: 423-276-3392
🌐 Website: WagsworldRealtor.com


🎯 Final Thoughts

Mortgage rates can feel overwhelming, but with the right guidance, they don’t have to be. Let’s sit down, go over your goals, and come up with a smart strategy that makes sense for your budget and lifestyle.

👉 Ready to take the next step? Contact me today, or visit WagsworldRealtor.com to get started.

Blog author image

John Wagner

John is a dedicated real estate professional serving the Tri-Cities of Northeast Tennessee.John was born and raised in Kingsport, Tennessee, and is a graduate of Sullivan Central High School. Although....

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