Ruhl&Ruhl REALTORS
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11
Paws and Play: Top Dog Parks and Off-Leash Areas
Dog parks are one of the few public spaces where dogs can run around without being restricted by a leash. There are several pet-friendly green spaces located within our service area. Our real estate agents do their best to take their dogs to them as often as possible. Wouldn't your pup like to do the same with you? Treat your dog to an afternoon at one of these dog parks around the Quad Cities and give them the taste of freedom they're craving.
8
Mortgage Rates Drop in August 2025 to Lowest Rates Since April 2025
Mortgage rates have taken a welcome dip in recent weeks, offering a glimmer of relief for homebuyers, homeowners, and anyone watching the housing market forecast. The recent shift is tied directly to a decline in the 10-year Treasury yield and the economic trends influencing it.
Mortgage Rates in August 2025: The Latest Numbers
The 10-year Treasury yield, a key benchmark for 30-year mortgage rates, has fallen from 4.7% earlier this year to about 4.25% today. This decline has helped push mortgage rates down from 7.04% in early 2025 to the 6.125%–6.5% range now.
Some borrowers, particularly those using government-backed mortgages like FHA, VA, or USDA loans, are seeing even lower rates thanks to more favorable note yields.
Why Are Mortgage Rates Dropping?
Several recent economic developments have contributed to the decline in the 10-year Treasury yield and mortgage rates:
- Slowing job growth and softer employment reports
- Signs that the overall economy is cooling
- Expectations of a Federal Reserve interest rate cut in September 2025
When the economy slows, investors often anticipate rate cuts from the Fed. This tends to push Treasury yields lower, and when yields fall, mortgage rates usually follow.
Mortgage Rate Forecast for Late 2025
Right now, the 10-year yield is hovering near an important level: 4.2%. If yields drop below that point and head toward 4.0%, possibly due to cooling inflation or further economic slowdown, mortgage rates could fall into the high 5% to low 6% range by Q4 2025.
However, there are still factors that could keep rates higher:
- Proposed tariffs, which could be inflationary or deflationary depending on implementation
- Persistent inflation is keeping the Fed cautious about cutting rates too quickly
What Lower Mortgage Rates Mean for Buyers and Homeowners
Lower mortgage rates can increase affordability for homebuyers and improve refinancing opportunities for homeowners. Even a small decrease in interest rates can make a noticeable difference in monthly payments and long-term interest costs.
If you're planning to buy or refinance, now is the time to contact a trusted Ruhl Mortgage Lender who can consult with you on your next best step. Since home prices are still appreciating, waiting for a minor rate adjustment may not be the smartest move, considering that the trade-off would be paying a higher price for the property. For more information about Ruhl Mortgage, visit RuhlMortgage.com.
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RuhlMortgage.com | 866-441-1862 | customerservice@ruhlmortgage.com Ruhl Mortgage LLC, NMLS #935629 | IL Residential Mortgage | License MB.6760937 | IA #2012-0110 | WI #935629BA - For licensing information, go to: www.nmlsconsumeraccess.org |
28
Chill Out: Must-Visit Indoor Spots for All Ages This Summer
Keep your kids off the screens and on the go this summer. Our real estate agents and their families stay cool with some hot action at these exciting indoor attractions around the Quad Cities.
14
Where to Take an Evening Stroll This Summer
In the summertime, there's nothing like taking a walk in the warm evening air. It's relaxing, and the scenery can be quite beautiful, especially if you know the right spots to visit. And our real estate agents know all of the best parks in the area. Here are a few of our favorite places for an evening stroll.
4
Is Your Home Ready for Summer? 9 Simple Maintenance Tips to Keep You Cool and Worry-Free
Summer is finally here—hello sunshine, pool days, and backyard BBQs! But before you dive headfirst into your favorite warm-weather activities, take a few minutes to make sure your home is just as ready for the season as you are.
A little bit of maintenance now can go a long way in helping you avoid costly repairs, boost energy efficiency, and create a space that's ready for summer fun. We've compiled a quick checklist of essential summer home maintenance tips to help you stay cool, comfortable, and stress-free all season long.
