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A tiny move lower (The 15-year down to 5.98%)

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Mortgage interest rates are a little lower today, Monday, June 16, 2025. According to Zillow data, the average 30-year fixed mortgage fell three basis points to 6.70%, while the 15-year fixed interest rate home loan term stepped back two basis points to 5.98%.

This Wednesday, the Federal Reserve will announce its latest decision on short-term interest rates. It is widely expected that the Fed will continue a “wait and see” strategy and leave rates unchanged. The yield on the 10-year Treasury, highly correlated to mortgage rates, fell 1.78% last week on tepid economic news and as Israel and Iran traded missile attacks.

Dig deeper: The best time of year to buy a house

Here are the current mortgage rates, according to the latest Zillow data:

  • 30-year fixed: 6.70%

  • 20-year fixed: 6.25%

  • 15-year fixed: 5.98%

  • 5/1 ARM: 6.85%

  • 7/1 ARM: 6.96%

  • 30-year VA: 6.34%

  • 15-year VA: 5.98%

  • 5/1 VA: 6.38%

Remember, these are the national averages and rounded to the nearest hundredth.

Read more: How are mortgage rates determined?

These are the current mortgage refinance rates, according to the latest Zillow data:

  • 30-year fixed: 6.78%

  • 20-year fixed: 6.37%

  • 15-year fixed: 6.04%

  • 5/1 ARM: 7.43%

  • 7/1 ARM: 7.30%

  • 30-year VA: 6.27%

  • 15-year VA: 5.87%

  • 5/1 VA: 7.43%

Again, the numbers provided are national averages rounded to the nearest hundredth. Although it’s not always the case, mortgage refinance rates tend to be a little higher than purchase rates.

See also: Best mortgage refinance lenders right now

You can use the free Yahoo Finance mortgage calculator to play around with how different terms and rates will affect your monthly payment. Our calculator considers factors like property taxes and homeowners insurance when estimating your monthly mortgage payment. This gives you a better idea of your total monthly payment than if you just looked at mortgage principal and interest.

But if you want a quick, simple way to see how today’s rates would impact your monthly mortgage payment, try out the calculator below:

Today’s average 30-year mortgage rate is 6.70%. A 30-year term is the most popular type of mortgage because by spreading out your payments over 360 months, your monthly payment is relatively low.

If you had a $300,000 mortgage with a 30-year term and a 6.70% rate, your monthly payment toward the principal and interest would be about $1,936, and you’d pay $396,900 in interest over the life of your loan — on top of that original $300,000.

The average 15-year mortgage rate is 5.98% today. Several factors must be considered when deciding between a 15-year and 30-year mortgage.

A 15-year mortgage comes with a lower interest rate than a 30-year term. This is great in the long run because you’ll pay off your loan 15 years sooner, and that’s 15 fewer years for interest to compound.

However, your monthly payments will be higher because you’re squeezing the same debt payoff into half the time.

If you get that same $300,000 mortgage but with a 15-year term and a 5.98% rate, your monthly payment would jump up to $2,528 — but you’d only pay $155,099 in interest over the years.

Dig deeper: How much house can I afford? Use our home affordability calculator.

With an adjustable-rate mortgage, your rate is locked in for a set period of time and then increases or decreases periodically. For example, with a 5/1 ARM, your rate stays the same for the first five years, then changes every year.

Adjustable rates usually start lower than fixed rates, but you run the risk that your rate goes up once the introductory rate-lock period is over. But an ARM could be a good fit if you plan to sell the home before your rate-lock period ends — that way, you pay a lower rate without worrying about it rising later.

Lately, ARM rates have occasionally been similar to or higher than fixed rates. Before dedicating yourself to a fixed or adjustable mortgage rate, be sure to shop around for the best lenders and rates. Some will offer more competitive adjustable rates than others.

Mortgage lenders typically give the lowest mortgage rates to people with higher down payments, excellent credit scores, and low debt-to-income ratios. So if you want a lower rate, try saving more, improving your credit score, or paying down some debt before you start shopping for homes.

You can also buy down your interest rate permanently by paying for discount points at closing. A temporary interest rate buydown is also an option — for example, maybe you get a 6.5% rate with a 2-1 buydown. Your rate would start at 4.5% for year one, increase to 5.5% for year two, then settle in at 6.5% for the remainder of your term.

Just consider whether these buydowns are worth the extra money at closing. Ask yourself whether you’ll stay in the home long enough that the amount you save with a lower rate offsets the cost of buying down your rate before making your decision.

Here are interest rates for some of the most popular mortgage terms: According to Zillow data, the national average 30-year fixed rate is 6.70%, the 15-year fixed rate is 5.98%, and the 5/1 ARM rate is 6.85%.

A normal mortgage rate on a 30-year fixed loan is 6.70%. However, keep in mind that’s the national average based on Zillow data. The average might be higher or lower depending on where you live in the U.S.

Mortgage rates probably won’t drop significantly in 2025 — especially over the next several weeks while economists keep an eye on inflation and Middle East unrest.

Read more: Trump Floats ‘Very Serious’ Plan That Could Hike Mortgage Rates

AI scam detection India : Google to scale up AI-powered fraud detection and security operations in India

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AI scam detection India


Google has unveiled its Safety Charter in India, which will expand its AI-led developments for fraud detection and combating scams across the country, the company’s largest market outside the United States.

Digital fraud in India is rising. Fraud related to the Indian government’s instant payment system UPI grew 85% year-over-year to nearly 11 billion Indian rupees ($127 million) last year, per the government’s data. India also saw several instances of digital arrest scams, where fraudsters pose as officials to extort money via video calls and predatory loan apps.

With its Safety Charter, Google aims to address some of these areas. The company has also launched its security engineering center in India, its fourth center after Dublin, Munich, and Malaga.

Announced at the Google for India summit last year, the security engineering center (GSec) will allow Google to partner with the local community, including government, academia and students, and small and medium enterprises to create solutions to solve cybersecurity, privacy, safety, and AI problems, said Google VP of security engineering Heather Adkins in an interview with TechCrunch.

Google has partnered with the Ministry of Home Affairs’ Indian Cyber Crime Coordination Centre (I4C) to raise awareness of cybercrimes, the company said in a blog post. This builds upon the company’s existing work, including the launch of its online fraud identification program, DigiKavach, which debuted in 2023 to restrict the harmful effects of malicious financial apps and predatory loan apps.

With its GSec in India, Google will focus on three key areas, Adkins told TechCrunch: the phenomenon of online scams and fraud and how people are safe online; the cybersecurity of enterprises, government, and critical infrastructure; and building responsible AI.

“These three areas will become part of our safety charter for India, and over the coming years… we want to use the fact that we have engineering capability here to solve for what’s happening in India, close to where the users are,” said Adkins.

Globally, Google is utilizing AI to combat online scams and remove millions of ads and ad accounts. The company aims to deploy AI more extensively in India to combat digital fraud.

Google Messages, which comes preinstalled on many Android devices, uses AI-powered Scam Detection that has helped protect users from over 500 million suspicious messages a month. Similarly, Google piloted its Play Protect in India last year, which it claims has blocked nearly 60 million attempts to install high-risk apps, resulting in the stopping of more than 220,000 unique apps on over 13 million devices. Google Pay, which is one of the top UPI-based payment apps in the country, also displayed 41 million warnings against transactions suspected to be potential scams.

Adkins, a founding member of Google’s security team who has been part of the internet company for over 23 years, discussed several other topics during an interview with TechCrunch:

Adkins said one thing top of mind is the use and misuse of AI by malicious actors.

“We’re obviously tracking AI very closely, and up until now, we’ve mostly seen the large language models like Gemini used as productivity enhancements. For example, to make phishing scams a bit more effective — especially if the actor and the target have different languages — they can use the benefit of translation to make the scams more believable using deepfakes, images, video, etc.,” said Adkins. 

Adkins said Google is conducting extensive testing of its AI models to ensure they understand what they should not do.

“This is important for generated content that might be harmful, but also actions that it might take,” said Akins.

Google is working on frameworks, including the Secure AI Framework, to restrict the abuse of its Gemini models. However, to protect generative AI from being misused and abused by hackers in the future, the company sees the need for a framework to build safety for how multiple agents communicate.

“The industry is moving very, very quickly [by] putting protocols out. It’s almost like the early days of the internet, where everybody’s releasing code in real time, and we’re thinking about safety after the fact,” said Adkins.

Google does not want to introduce merely its own frameworks to limit the scope of generative AI being abused by hackers. Instead, Adkins said the company is working with the research community and developers. 

“One of the things you don’t want to do is constrain yourself too much in the early research days,” said Adkins.

On surveillance vendors

Alongside generative AI’s potential for abuse by hackers, Adkins sees commercial surveillance vendors as a significant threat. These can include spyware makers, including NSO Group, which is infamous for its Pegasus spyware, or other small enterprises selling surveillance tools.

“These are companies spun up all over the world, and they develop and make and sell a platform for hacking,” said Adkins. “You might pay $20, you might pay $200,000, just depending on the sophistication of the platform, and it allows you to scale attacking people without any expertise on your own.”

Some of these vendors also sell their tools to spy on people in markets, including India. However, apart from being targeted by surveillance tools, the country has its own unique challenges in part for its size. The country sees not only AI-led deepfakes and voice cloning frauds, but also instances of digital arrests, which Adkins underlines are just regular scams adapted for the digital world.

“You can see how quickly the threat actors themselves are advancing… I love studying cyber in this region because of that. It’s often a hint of what we’re going to see worldwide at some point,” said Adkins.

On multi-factor authentication

Google has long encouraged its users to use more secure authentication methods beyond passwords to protect their online presence. The company switched on multi-factor authentication (MFA) for all user accounts in the past, and also promotes hardware-based security keys, which Adkins mentioned by pointing to its employees actively using their laptops. Passwordless is also becoming a popular tech term, with various meanings.

Nonetheless, expecting people to abandon passwords in a market like India is hard due to its vast demographics and diverse economic landscape.

“We knew for a very long time that passwords were not secure. This concept of a multi-factor authentication was a step forward,” said Adkins, adding that Indians likely favor SMS-based authentication over other MFA options.

Source – Steelers extend safety DeShon Elliott on 2-year deal

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The Pittsburgh Steelers and safety DeShon Elliott have agreed to a two-year, $12.5 million extension with $9.21 million guaranteed, a source confirmed to ESPN.

Elliott, 28, was one of the Steelers’ best run defenders last year with 2 forced fumbles, 3 fumble recoveries, 4 tackles for loss and 108 combined tackles.

NFL Network first reported the deal.

A former sixth-round pick, Elliott spent his first four seasons in the league with the Baltimore Ravens and Detroit Lions before joining the Miami Dolphins for one year.

The Steelers signed Elliott as a free agent to a two-year deal before the 2024 season.

He has 395 tackles in 72 career games.

Romeo Beckham Speaks Amid Kim Turnbull Breakup, Family Drama

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Nicola Peltz Beckham Was Allegedly in Tears When Wedding Guest Marc Anthony Shouted Out Victoria Beckham

More recent fuel for the wedding drama fire: The newlyweds’ first dance didn’t go as expected, and it’s extremely unclear why it went down as it allegedly did.

“Brooklyn and Nicola were under the impression they were being gifted their first dance by Marc Anthony,” a source told E! News in May. Instead, the singer announced, “‘Please welcome to the stage the most beautiful woman in the room—Victoria Beckham.’ Brooklyn wasn’t quite sure what to do and was put in an awkward situation.”

Moreover, the source continued, “Nicola left the room crying. She eventually came back and was able to collect herself to celebrate the rest of her wedding.”

The incident wasn’t so disastrous on the groom’s side of the family as to prevent David from being a best man at Marc’s wedding in January 2023, when he married fourth wife Nadia Ferreira. But it’s understandable if the bride had a harder time getting over it.

Brooklyn and Nicola “have made good faith efforts over the years” to have a relationship with his family, the source said, but at this time things aren’t good.

Probably apropos of nothing, though possibly not, Brooklyn called Nicola his “whole world” in a May 24 Instagram post, writing, “I always choose you baby x you’re the most amazing person I know xx me and you forever baby.”



At least 14 killed and dozens injured in Russian strike on Kyiv

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Reuters Residents react at the site of an apartment building damaged during a Russian strike on Kyiv.Reuters

It is one of the largest bombardments of the capital since the beginning of Russia’s full-scale invasion

At least 14 people have been killed overnight and dozens more wounded in Russian strikes on the Ukrainian capital Kyiv, officials say.

It was one of the largest bombardments of the capital since the beginning of the full-scale invasion more than three years ago.

Ukraine’s interior minister, Ihor Klymenko, said a total of 440 drones and 32 missiles had been launched at the country.

Meanwhile, Russian air defence units intercepted and destroyed 147 Ukrainian drones overnight, Moscow’s defence ministry said.

The strikes on Kyiv lasted more than nine hours – sending residents fleeing to underground shelters from before midnight until after sunrise.

Officials said a ballistic missile hit a nine-storey apartment building in one district, with a total of 27 districts of the city coming under fire.

“Waking up in utter nightmare: people trapped under rubble and full buildings collapsed,” Ukrainian MP Lesia Vasylenko wrote on X.

Klymenko said rescue teams were still working to free people.

Loud explosions rocked the city, along with the rattle of the machine guns used by mobile Ukrainian air defence units to shoot down drones.

More sirens later in the morning disrupted rescue operations in the city, hampering emergency workers searching the rubble for survivors.

Russia has intensified its air attacks against Ukrainian cities in recent weeks, with a tactic of sending large waves of drones and decoys designed to overwhelm Ukrainian air defences.

Kyiv has launched attacks of its own, as direct talks between the warring sides failed to secure a ceasefire or significant breakthrough.

Reuters An explosion of a drone lights up the sky over the city during a Russian drone strikeReuters

Kyiv was hit by a barrage of strikes overnight into Tuesday

President Volodymyr Zelensky called Russia’s most recent wave of strikes “pure terrorism”.

He accused Russian President Vladimir Putin of carrying out the large scale strikes “solely because he can afford to continue this war”.

“It is bad when the powerful of this world turn a blind eye to this,” he said, adding: “It is the terrorists who should feel the pain, not normal, peaceful people.”

Drone strikes also hit the southern Ukrainian city of Odesa, killing one person and injuring at least 10 others, Klymenko said.

Zelenksy had been hoping to speak with the US President Donald Trump on the sidelines of the G7 summit in Canada on Tuesday but Trump cut short his stay amid the escalating crisis in the Middle East.

The news will come as a blow to Zelensky and his administration, which had been hoping to secure US support at the conference for Ukraine’s strategic and military goals.

US aircraft, warships headed to Middle East amid Israel-Iran conflict

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