Advertise on podcast: The Mortgage Update with Dan Frio Podcast

Mortgage rates today, housing market news, and Federal Reserve analysis — explained in plain English by a mortgage loan originator with 38 years in the business. No hype. Just real data and practical next steps. 🏠 APPLY NOW — One Application, One Credit Pull, 30+ Lenders Comparedhttps://257781.my1003app.com/246527/register 📅 REQUEST A FREE CONSULTATIONhttps://go.oncehub.com/solvitmortgagealan 🔍 FREE LE REVIEW — Already have a quote? Send me your Loan Estimate and I'll compare it against 30+ lendershttps://www.therateupdate.com/loan-estimate-review 📉 JOIN RATE WATCH — FREE Rate Monitoringhttps://rw2.therateupdate.com/ Welcome to The Rate Update with Dan Frio. This channel helps homebuyers, homeowners, real estate professionals, and anyone watching the housing market understand what is really happening with mortgage rates, housing, inflation, the bond market, the Federal Reserve, and the economy. Here we break down the stories that impact your mortgage payment, your buying power, your refinance options, and your financial decisions. WHAT YOU'LL FIND ON THIS CHANNEL🏠 Daily mortgage rate updates📉 Housing market news and home price trends📊 Inflation, CPI, and Federal Reserve analysis📈 10-Year Treasury and mortgage bond movement💰 Refinance and debt consolidation opportunities🏡 First-time homebuyer education🔁 Rate Watch mortgage monitoring tools🧮 Mortgage calculators and payment tools WHERE TO START 🏡 Buying a home — FHA, VA, USDA, conventional, jumbo and down payment assistancehttps://www.therateupdate.com/first-time-home-buyer 🔁 Refinancing or accessing equity — cash-out, FHA Streamline, VA IRRRL, HELOC and reversehttps://www.therateupdate.com/homeowner-options 🏢 Buying rentals — DSCR on 1 to 8 units, bank statement and no-income optionshttps://www.therateupdate.com/investment-property-loans 🎁 Down payment assistance — 3.5% to 5%, including grants you never repayhttps://www.therateupdate.com/down-payment-assistance TOP RESOURCES 📊 TRU Mortgage Command Center — Live Rate Dashboardhttps://command.therateupdate.com/ 💳 TRU Debt Optimizerhttps://debtrelief.therateupdate.com/ 🧮 Mortgage Calculators & Toolshttps://www.therateupdate.com/mortgage-calculators ✉️ Ask Dan a Questionhttps://www.therateupdate.com/contact FOLLOW THE RATE UPDATE YouTube: https://www.youtube.com/@TheRateUpdatewithDanFrioInstagram: https://instagram.com/therateupdateTikTok: https://tiktok.com/@therateupdate If this helped you understand mortgage rates a little better, subscribe and turn on notifications so you catch the next update. DISCLAIMER Dan Frio | NMLS #246527 | PBT Bancorp | NMLS #257781 | Equal Housing Lender524 Main St, Hazard, KY 41701NMLS Consumer Access: https://www.nmlsconsumeraccess.org/ Dan Frio is a federally registered mortgage loan originator with PBT Bancorp. Mortgage products are originated by PBT Bancorp, NMLS #257781. This channel is for education and commentary only. Topics may include mortgage rates, real estate, housing, stocks, bonds, cryptocurrency, inflation, the Federal Reserve, and financial markets. All opinions are my own and do not represent PBT Bancorp or any financial institution I may be employed by or affiliated with. Nothing on this channel is an offer to lend, a commitment to lend, or financial, legal, tax, or investment advice. Mortgage rates, terms, approvals and programs are subject to borrower qualifications, market conditions, underwriting approval, and change without notice. Not all borrowers will qualify.

Mortgage rates today, housing market news, and Federal Reserve analysis — explained in plain English by a mortgage loan originator with 38 years in the business. No hype. Just real data and practical next steps. 🏠 APPLY NOW — One Application, One Credit Pull, 30+ Lenders Comparedhttps://257781.my1003app.com/246527/register 📅 REQUEST A FREE CONSULTATIONhttps://go.oncehub.com/solvitmortgagealan 🔍 FREE LE REVIEW — Already have a quote? Send me your Loan Estimate and I'll compare it against 30+ lendershttps://www.therateupdate.com/loan-estimate-review 📉 JOIN RATE WATCH — FREE Rate Monitoringhttps://rw2.therateupdate.com/ Welcome to The Rate Update with Dan Frio. This channel helps homebuyers, homeowners, real estate professionals, and anyone watching the housing market understand what is really happening with mortgage rates, housing, inflation, the bond market, the Federal Reserve, and the economy. Here we break down the stories that impact your mortgage payment, your buying power, your refinance options, and your financial decisions. WHAT YOU'LL FIND ON THIS CHANNEL🏠 Daily mortgage rate updates📉 Housing market news and home price trends📊 Inflation, CPI, and Federal Reserve analysis📈 10-Year Treasury and mortgage bond movement💰 Refinance and debt consolidation opportunities🏡 First-time homebuyer education🔁 Rate Watch mortgage monitoring tools🧮 Mortgage calculators and payment tools WHERE TO START 🏡 Buying a home — FHA, VA, USDA, conventional, jumbo and down payment assistancehttps://www.therateupdate.com/first-time-home-buyer 🔁 Refinancing or accessing equity — cash-out, FHA Streamline, VA IRRRL, HELOC and reversehttps://www.therateupdate.com/homeowner-options 🏢 Buying rentals — DSCR on 1 to 8 units, bank statement and no-income optionshttps://www.therateupdate.com/investment-property-loans 🎁 Down payment assistance — 3.5% to 5%, including grants you never repayhttps://www.therateupdate.com/down-payment-assistance TOP RESOURCES 📊 TRU Mortgage Command Center — Live Rate Dashboardhttps://command.therateupdate.com/ 💳 TRU Debt Optimizerhttps://debtrelief.therateupdate.com/ 🧮 Mortgage Calculators & Toolshttps://www.therateupdate.com/mortgage-calculators ✉️ Ask Dan a Questionhttps://www.therateupdate.com/contact FOLLOW THE RATE UPDATE YouTube: https://www.youtube.com/@TheRateUpdatewithDanFrioInstagram: https://instagram.com/therateupdateTikTok: https://tiktok.com/@therateupdate If this helped you understand mortgage rates a little better, subscribe and turn on notifications so you catch the next update. DISCLAIMER Dan Frio | NMLS #246527 | PBT Bancorp | NMLS #257781 | Equal Housing Lender524 Main St, Hazard, KY 41701NMLS Consumer Access: https://www.nmlsconsumeraccess.org/ Dan Frio is a federally registered mortgage loan originator with PBT Bancorp. Mortgage products are originated by PBT Bancorp, NMLS #257781. This channel is for education and commentary only. Topics may include mortgage rates, real estate, housing, stocks, bonds, cryptocurrency, inflation, the Federal Reserve, and financial markets. All opinions are my own and do not represent PBT Bancorp or any financial institution I may be employed by or affiliated with. Nothing on this channel is an offer to lend, a commitment to lend, or financial, legal, tax, or investment advice. Mortgage rates, terms, approvals and programs are subject to borrower qualifications, market conditions, underwriting approval, and change without notice. Not all borrowers will qualify.

Mortgage rates today, housing market news, and Federal Reserve analysis — explained in plain English by a mortgage loan originator with 38 years in the business. No hype. Just real data and practical next steps. 🏠 APPLY NOW — One Application, One Credit Pull, 30+ Lenders Comparedhttps://257781.my1003app.com/246527/register 📅 REQUEST A FREE CONSULTATIONhttps://go.oncehub.com/solvitmortgagealan 🔍 FREE LE REVIEW — Already have a quote? Send me your Loan Estimate and I'll compare it against 30+ lendershttps://www.therateupdate.com/loan-estimate-review 📉 JOIN RATE WATCH — FREE Rate Monitoringhttps://rw2.therateupdate.com/ Welcome to The Rate Update with Dan Frio. This channel helps homebuyers, homeowners, real estate professionals, and anyone watching the housing market understand what is really happening with mortgage rates, housing, inflation, the bond market, the Federal Reserve, and the economy. Here we break down the stories that impact your mortgage payment, your buying power, your refinance options, and your financial decisions. WHAT YOU'LL FIND ON THIS CHANNEL🏠 Daily mortgage rate updates📉 Housing market news and home price trends📊 Inflation, CPI, and Federal Reserve analysis📈 10-Year Treasury and mortgage bond movement💰 Refinance and debt consolidation opportunities🏡 First-time homebuyer education🔁 Rate Watch mortgage monitoring tools🧮 Mortgage calculators and payment tools WHERE TO START 🏡 Buying a home — FHA, VA, USDA, conventional, jumbo and down payment assistancehttps://www.therateupdate.com/first-time-home-buyer 🔁 Refinancing or accessing equity — cash-out, FHA Streamline, VA IRRRL, HELOC and reversehttps://www.therateupdate.com/homeowner-options 🏢 Buying rentals — DSCR on 1 to 8 units, bank statement and no-income optionshttps://www.therateupdate.com/investment-property-loans 🎁 Down payment assistance — 3.5% to 5%, including grants you never repayhttps://www.therateupdate.com/down-payment-assistance TOP RESOURCES 📊 TRU Mortgage Command Center — Live Rate Dashboardhttps://command.therateupdate.com/ 💳 TRU Debt Optimizerhttps://debtrelief.therateupdate.com/ 🧮 Mortgage Calculators & Toolshttps://www.therateupdate.com/mortgage-calculators ✉️ Ask Dan a Questionhttps://www.therateupdate.com/contact FOLLOW THE RATE UPDATE YouTube: https://www.youtube.com/@TheRateUpdatewithDanFrioInstagram: https://instagram.com/therateupdateTikTok: https://tiktok.com/@therateupdate If this helped you understand mortgage rates a little better, subscribe and turn on notifications so you catch the next update. DISCLAIMER Dan Frio | NMLS #246527 | PBT Bancorp | NMLS #257781 | Equal Housing Lender524 Main St, Hazard, KY 41701NMLS Consumer Access: https://www.nmlsconsumeraccess.org/ Dan Frio is a federally registered mortgage loan originator with PBT Bancorp. Mortgage products are originated by PBT Bancorp, NMLS #257781. This channel is for education and commentary only. Topics may include mortgage rates, real estate, housing, stocks, bonds, cryptocurrency, inflation, the Federal Reserve, and financial markets. All opinions are my own and do not represent PBT Bancorp or any financial institution I may be employed by or affiliated with. Nothing on this channel is an offer to lend, a commitment to lend, or financial, legal, tax, or investment advice. Mortgage rates, terms, approvals and programs are subject to borrower qualifications, market conditions, underwriting approval, and change without notice. Not all borrowers will qualify.

With mortgage rates hovering near 7.5%, a lot of buyers assume they can't qualify — but you may have more options than you think. Dan covers today's bond market move, the latest economic news and Fed outlook, and the options worth a look before you rule yourself out, including seller credits and rate buydowns, FHA and down payment assistance, and comparing 30+ lenders with one application and one credit pull. 🏠 APPLY NOW — One Application, One Credit Pull, 30+ Lenders Comparedhttps://257781.my1003app.com/246527/register 📅 REQUEST A FREE CONSULTATIONhttps://go.oncehub.com/solvitmortgagealan 🔍 FREE LE REVIEW — Already have a quote? Send me your Loan Estimate and I'll compare it against 30+ lendershttps://www.therateupdate.com/loan-estimate-review 📉 JOIN RATE WATCH — FREE Rate Monitoringhttps://rw2.therateupdate.com/ Welcome to The Rate Update with Dan Frio. This channel helps homebuyers, homeowners, real estate professionals, and anyone watching the housing market understand what is really happening with mortgage rates, housing, inflation, the bond market, the Federal Reserve, and the economy. Here we break down the stories that impact your mortgage payment, your buying power, your refinance options, and your financial decisions. WHAT YOU'LL FIND ON THIS CHANNEL🏠 Daily mortgage rate updates📉 Housing market news and home price trends📊 Inflation, CPI, and Federal Reserve analysis📈 10-Year Treasury and mortgage bond movement💰 Refinance and debt consolidation opportunities🏡 First-time homebuyer education🔁 Rate Watch mortgage monitoring tools🧮 Mortgage calculators and payment tools WHERE TO START 🏡 Buying a home — FHA, VA, USDA, conventional, jumbo and down payment assistancehttps://www.therateupdate.com/first-time-home-buyer 🔁 Refinancing or accessing equity — cash-out, FHA Streamline, VA IRRRL, HELOC and reversehttps://www.therateupdate.com/homeowner-options 🏢 Buying rentals — DSCR on 1 to 8 units, bank statement and no-income optionshttps://www.therateupdate.com/investment-property-loans 🎁 Down payment assistance — 3.5% to 5%, including grants you never repayhttps://www.therateupdate.com/down-payment-assistance TOP RESOURCES 📊 TRU Mortgage Command Center — Live Rate Dashboardhttps://command.therateupdate.com/ 💳 TRU Debt Optimizerhttps://debtrelief.therateupdate.com/ 🧮 Mortgage Calculators & Toolshttps://www.therateupdate.com/mortgage-calculators ✉️ Ask Dan a Questionhttps://www.therateupdate.com/contact FOLLOW THE RATE UPDATE YouTube: https://www.youtube.com/@TheRateUpdatewithDanFrioInstagram: https://instagram.com/therateupdateTikTok: https://tiktok.com/@therateupdate If this helped you understand mortgage rates a little better, subscribe and turn on notifications so you catch the next update. DISCLAIMER Dan Frio | NMLS #246527 | PBT Bancorp | NMLS #257781 | Equal Housing Lender524 Main St, Hazard, KY 41701NMLS Consumer Access: https://www.nmlsconsumeraccess.org/ Dan Frio is a federally registered mortgage loan originator with PBT Bancorp. Mortgage products are originated by PBT Bancorp, NMLS #257781. This channel is for education and commentary only. Topics may include mortgage rates, real estate, housing, stocks, bonds, cryptocurrency, inflation, the Federal Reserve, and financial markets. All opinions are my own and do not represent PBT Bancorp or any financial institution I may be employed by or affiliated with. Nothing on this channel is an offer to lend, a commitment to lend, or financial, legal, tax, or investment advice. Mortgage rates, terms, approvals and programs are subject to borrower qualifications, market conditions, underwriting approval, and change without notice. Not all borrowers will qualify.

Since 2022, many predicted a housing crash — so why hasn't it happened with mortgage rates near 7.5%? Dan compares today's market to 2008 (1.62 million existing homes for sale vs. 4.6 million then, 4.9 months of supply vs. 11.2), explains why owners with low rates aren't selling, and shows how oil-driven inflation pushed rates from 5.99% in February to about 7.5% today. Plus: today's bond market, the latest services and manufacturing data, and what the Fed is likely to do at its next meeting. 🏠 APPLY NOW — One Application, One Credit Pull, 30+ Lenders Comparedhttps://257781.my1003app.com/246527/register 📅 REQUEST A FREE CONSULTATIONhttps://go.oncehub.com/solvitmortgagealan 🔍 FREE LE REVIEW — Already have a quote? Send me your Loan Estimate and I'll compare it against 30+ lendershttps://www.therateupdate.com/loan-estimate-review 📉 JOIN RATE WATCH — FREE Rate Monitoringhttps://rw2.therateupdate.com/ Welcome to The Rate Update with Dan Frio. This channel helps homebuyers, homeowners, real estate professionals, and anyone watching the housing market understand what is really happening with mortgage rates, housing, inflation, the bond market, the Federal Reserve, and the economy. Here we break down the stories that impact your mortgage payment, your buying power, your refinance options, and your financial decisions. WHAT YOU'LL FIND ON THIS CHANNEL🏠 Daily mortgage rate updates📉 Housing market news and home price trends📊 Inflation, CPI, and Federal Reserve analysis📈 10-Year Treasury and mortgage bond movement💰 Refinance and debt consolidation opportunities🏡 First-time homebuyer education🔁 Rate Watch mortgage monitoring tools🧮 Mortgage calculators and payment tools WHERE TO START 🏡 Buying a home — FHA, VA, USDA, conventional, jumbo and down payment assistancehttps://www.therateupdate.com/first-time-home-buyer 🔁 Refinancing or accessing equity — cash-out, FHA Streamline, VA IRRRL, HELOC and reversehttps://www.therateupdate.com/homeowner-options 🏢 Buying rentals — DSCR on 1 to 8 units, bank statement and no-income optionshttps://www.therateupdate.com/investment-property-loans 🎁 Down payment assistance — 3.5% to 5%, including grants you never repayhttps://www.therateupdate.com/down-payment-assistance TOP RESOURCES 📊 TRU Mortgage Command Center — Live Rate Dashboardhttps://command.therateupdate.com/ 💳 TRU Debt Optimizerhttps://debtrelief.therateupdate.com/ 🧮 Mortgage Calculators & Toolshttps://www.therateupdate.com/mortgage-calculators ✉️ Ask Dan a Questionhttps://www.therateupdate.com/contact FOLLOW THE RATE UPDATE YouTube: https://www.youtube.com/@TheRateUpdatewithDanFrioInstagram: https://instagram.com/therateupdateTikTok: https://tiktok.com/@therateupdate If this helped you understand mortgage rates a little better, subscribe and turn on notifications so you catch the next update. DISCLAIMER Dan Frio | NMLS #246527 | PBT Bancorp | NMLS #257781 | Equal Housing Lender524 Main St, Hazard, KY 41701NMLS Consumer Access: https://www.nmlsconsumeraccess.org/ Dan Frio is a federally registered mortgage loan originator with PBT Bancorp. Mortgage products are originated by PBT Bancorp, NMLS #257781. This channel is for education and commentary only. Topics may include mortgage rates, real estate, housing, stocks, bonds, cryptocurrency, inflation, the Federal Reserve, and financial markets. All opinions are my own and do not represent PBT Bancorp or any financial institution I may be employed by or affiliated with. Nothing on this channel is an offer to lend, a commitment to lend, or financial, legal, tax, or investment advice. Mortgage rates, terms, approvals and programs are subject to borrower qualifications, market conditions, underwriting approval, and change without notice. Not all borrowers will qualify.

Waiting for 2–3% mortgage rates to come back? Dan walks through mortgage rate history — near 18% in the early 1980s, 2.625% during COVID, and about 7.4% today — and explains what drove each extreme. He covers this week's economic calendar, why he expects home prices to stay flat rather than crash, the odds of a Fed pause at the next meeting, and how much more a $500,000 home costs per month today than at the 2021 lows. 🏠 APPLY NOW — One Application, One Credit Pull, 30+ Lenders Comparedhttps://257781.my1003app.com/246527/register 📅 REQUEST A FREE CONSULTATIONhttps://go.oncehub.com/solvitmortgagealan 🔍 FREE LE REVIEW — Already have a quote? Send me your Loan Estimate and I'll compare it against 30+ lendershttps://www.therateupdate.com/loan-estimate-review 📉 JOIN RATE WATCH — FREE Rate Monitoringhttps://rw2.therateupdate.com/ Welcome to The Rate Update with Dan Frio. This channel helps homebuyers, homeowners, real estate professionals, and anyone watching the housing market understand what is really happening with mortgage rates, housing, inflation, the bond market, the Federal Reserve, and the economy. Here we break down the stories that impact your mortgage payment, your buying power, your refinance options, and your financial decisions. WHAT YOU'LL FIND ON THIS CHANNEL🏠 Daily mortgage rate updates📉 Housing market news and home price trends📊 Inflation, CPI, and Federal Reserve analysis📈 10-Year Treasury and mortgage bond movement💰 Refinance and debt consolidation opportunities🏡 First-time homebuyer education🔁 Rate Watch mortgage monitoring tools🧮 Mortgage calculators and payment tools WHERE TO START 🏡 Buying a home — FHA, VA, USDA, conventional, jumbo and down payment assistancehttps://www.therateupdate.com/first-time-home-buyer 🔁 Refinancing or accessing equity — cash-out, FHA Streamline, VA IRRRL, HELOC and reversehttps://www.therateupdate.com/homeowner-options 🏢 Buying rentals — DSCR on 1 to 8 units, bank statement and no-income optionshttps://www.therateupdate.com/investment-property-loans 🎁 Down payment assistance — 3.5% to 5%, including grants you never repayhttps://www.therateupdate.com/down-payment-assistance TOP RESOURCES 📊 TRU Mortgage Command Center — Live Rate Dashboardhttps://command.therateupdate.com/ 💳 TRU Debt Optimizerhttps://debtrelief.therateupdate.com/ 🧮 Mortgage Calculators & Toolshttps://www.therateupdate.com/mortgage-calculators ✉️ Ask Dan a Questionhttps://www.therateupdate.com/contact FOLLOW THE RATE UPDATE YouTube: https://www.youtube.com/@TheRateUpdatewithDanFrioInstagram: https://instagram.com/therateupdateTikTok: https://tiktok.com/@therateupdate If this helped you understand mortgage rates a little better, subscribe and turn on notifications so you catch the next update. DISCLAIMER Dan Frio | NMLS #246527 | PBT Bancorp | NMLS #257781 | Equal Housing Lender524 Main St, Hazard, KY 41701NMLS Consumer Access: https://www.nmlsconsumeraccess.org/ Dan Frio is a federally registered mortgage loan originator with PBT Bancorp. Mortgage products are originated by PBT Bancorp, NMLS #257781. This channel is for education and commentary only. Topics may include mortgage rates, real estate, housing, stocks, bonds, cryptocurrency, inflation, the Federal Reserve, and financial markets. All opinions are my own and do not represent PBT Bancorp or any financial institution I may be employed by or affiliated with. Nothing on this channel is an offer to lend, a commitment to lend, or financial, legal, tax, or investment advice. Mortgage rates, terms, approvals and programs are subject to borrower qualifications, market conditions, underwriting approval, and change without notice. Not all borrowers will qualify.

Mortgage rates are getting better today after a weak jobs report, and I'm breaking down what it means for homebuyers, homeowners, and realtors. The bond market is up 54 points, unemployment ticked up to 4.2%, and wages (3.0%) are not keeping up with inflation. Here's what that means for mortgage rates and the Federal Reserve's next move. 🏠 Jobs report comes in weak: payrolls miss, unemployment rises, and why markets expected the opposite 📉 Bond market jumps 54 points, which is good news for mortgage rates today 💵 Wages at 3.0% are not keeping up with inflation, and what the Fed is watching 🛢️ Oil below $100 a barrel and why it matters for inflation and the Fed's rate hike odds 🔁 Refinance windows since 2022 and why homeowners may have another one coming 🏡 Home prices are up 65% since 2019: what that means if you're waiting on the sidelines for a crash Read more on the blog: https://www.therateupdate.com/blog CHAPTERS 0:00 Weak jobs report and what it means for mortgage rates 1:30 Bond market jumps 54 points and this week's data 5:30 Home prices and mortgage rates since COVID 8:30 Refinance windows and Fed rate hike expectations 10:45 Free tools: Loan Estimate review and Rate Watch 🏠 APPLY NOW — One Application, One Credit Pull, 30+ Lenders Compared https://257781.my1003app.com/246527/register 📅 REQUEST A FREE CONSULTATION https://go.oncehub.com/solvitmortgagealan 🔍 FREE LE REVIEW — Already have a quote? Send me your Loan Estimate and I'll compare it against 30+ lenders https://www.therateupdate.com/loan-estimate-review 📉 JOIN RATE WATCH — FREE Rate Monitoring https://rw2.therateupdate.com/ WHAT YOU'LL FIND ON THIS CHANNEL 🏠 Daily mortgage rate updates 📉 Housing market news and home price trends 📊 Inflation, CPI, and Federal Reserve analysis 📈 10-Year Treasury and mortgage bond movement 💰 Refinance and debt consolidation opportunities 🏡 First-time homebuyer education 🔁 Rate Watch mortgage monitoring tools 🧮 Mortgage calculators and payment tools WHERE TO START 🏡 Buying a home — FHA, VA, USDA, conventional, jumbo and down payment assistance https://www.therateupdate.com/first-time-home-buyer 🔁 Refinancing or accessing equity — cash-out, FHA Streamline, VA IRRRL, HELOC and reverse https://www.therateupdate.com/homeowner-options 🏢 Buying rentals — DSCR on 1 to 8 units, bank statement and no-income options https://www.therateupdate.com/investment-property-loans 🎁 Down payment assistance — 3.5% to 5%, including grants you never repay https://www.therateupdate.com/down-payment-assistance TOP RESOURCES 📊 TRU Mortgage Command Center — Live Rate Dashboard https://command.therateupdate.com/ 💳 TRU Debt Optimizer https://debtrelief.therateupdate.com/ 🧮 Mortgage Calculators & Tools https://www.therateupdate.com/mortgage-calculators ✉️ Ask Dan a Question https://www.therateupdate.com/contact FOLLOW THE RATE UPDATE YouTube: https://www.youtube.com/@TheRateUpdatewithDanFrio Instagram: https://instagram.com/therateupdate TikTok: https://tiktok.com/@therateupdate If this helped you understand mortgage rates a little better, subscribe and turn on notifications so you catch the next update. DISCLAIMER Dan Frio | NMLS #246527 | PBT Bancorp | NMLS #257781 | Equal Housing Lender 524 Main St, Hazard, KY 41701 NMLS Consumer Access: https://www.nmlsconsumeraccess.org/ Dan Frio is a federally registered mortgage loan originator with PBT Bancorp. Mortgage products are originated by PBT Bancorp, NMLS #257781. This channel is for education and commentary only. Topics may include mortgage rates, real estate, housing, stocks, bonds, cryptocurrency, inflation, the Federal Reserve, and financial markets. All opinions are my own and do not represent PBT Bancorp or any financial institution I may be employed by or affiliated with. Nothing on this channel is an offer to lend, a commitment to lend, or financial, legal, tax, or investment advice. Mortgage rates, terms, approvals and programs are subject to borrower qualifications, market conditions, underwriting approval, and change without notice. Not all borrowers will qualify. #MortgageRates #JobsReport #HousingMarket #FederalReserve #BondMarket #Refinance #Homebuyers #Realtors #TheRateUpdate

The Fed's preferred inflation gauge (PCE) came in better than expected — so why did mortgage rates still climb to about 7.6%? Dan explains how bond prices and yields move in opposite directions, why the 10-Year Treasury just hit its highest level since 2002, and how high oil prices plus a wave of government and corporate debt are pushing yields up worldwide. Plus this week's jobs, GDP and consumer confidence numbers and the latest odds for the Fed's next meeting. 🏠 APPLY NOW — One Application, One Credit Pull, 30+ Lenders Comparedhttps://257781.my1003app.com/246527/register 📅 REQUEST A FREE CONSULTATIONhttps://go.oncehub.com/solvitmortgagealan 🔍 FREE LE REVIEW — Already have a quote? Send me your Loan Estimate and I'll compare it against 30+ lendershttps://www.therateupdate.com/loan-estimate-review 📉 JOIN RATE WATCH — FREE Rate Monitoringhttps://rw2.therateupdate.com/ Welcome to The Rate Update with Dan Frio. This channel helps homebuyers, homeowners, real estate professionals, and anyone watching the housing market understand what is really happening with mortgage rates, housing, inflation, the bond market, the Federal Reserve, and the economy. Here we break down the stories that impact your mortgage payment, your buying power, your refinance options, and your financial decisions. WHAT YOU'LL FIND ON THIS CHANNEL🏠 Daily mortgage rate updates📉 Housing market news and home price trends📊 Inflation, CPI, and Federal Reserve analysis📈 10-Year Treasury and mortgage bond movement💰 Refinance and debt consolidation opportunities🏡 First-time homebuyer education🔁 Rate Watch mortgage monitoring tools🧮 Mortgage calculators and payment tools WHERE TO START 🏡 Buying a home — FHA, VA, USDA, conventional, jumbo and down payment assistancehttps://www.therateupdate.com/first-time-home-buyer 🔁 Refinancing or accessing equity — cash-out, FHA Streamline, VA IRRRL, HELOC and reversehttps://www.therateupdate.com/homeowner-options 🏢 Buying rentals — DSCR on 1 to 8 units, bank statement and no-income optionshttps://www.therateupdate.com/investment-property-loans 🎁 Down payment assistance — 3.5% to 5%, including grants you never repayhttps://www.therateupdate.com/down-payment-assistance TOP RESOURCES 📊 TRU Mortgage Command Center — Live Rate Dashboardhttps://command.therateupdate.com/ 💳 TRU Debt Optimizerhttps://debtrelief.therateupdate.com/ 🧮 Mortgage Calculators & Toolshttps://www.therateupdate.com/mortgage-calculators ✉️ Ask Dan a Questionhttps://www.therateupdate.com/contact FOLLOW THE RATE UPDATE YouTube: https://www.youtube.com/@TheRateUpdatewithDanFrioInstagram: https://instagram.com/therateupdateTikTok: https://tiktok.com/@therateupdate If this helped you understand mortgage rates a little better, subscribe and turn on notifications so you catch the next update. DISCLAIMER Dan Frio | NMLS #246527 | PBT Bancorp | NMLS #257781 | Equal Housing Lender524 Main St, Hazard, KY 41701NMLS Consumer Access: https://www.nmlsconsumeraccess.org/ Dan Frio is a federally registered mortgage loan originator with PBT Bancorp. Mortgage products are originated by PBT Bancorp, NMLS #257781. This channel is for education and commentary only. Topics may include mortgage rates, real estate, housing, stocks, bonds, cryptocurrency, inflation, the Federal Reserve, and financial markets. All opinions are my own and do not represent PBT Bancorp or any financial institution I may be employed by or affiliated with. Nothing on this channel is an offer to lend, a commitment to lend, or financial, legal, tax, or investment advice. Mortgage rates, terms, approvals and programs are subject to borrower qualifications, market conditions, underwriting approval, and change without notice. Not all borrowers will qualify.

Mortgage rates today: inflation came in cooler than expected, and that's good news for homebuyers and homeowners watching the bond market. PCE, the Federal Reserve's preferred inflation gauge, held at 3.4% when the market expected 3.7%. In this update I break down what that means for mortgage rates and what's most likely to happen over the next few weeks. 🏠 PCE inflation came in at 3.4% instead of 3.7%, and core PCE landed at 3.0% 📉 The Fed is now 55% likely to pause at the next meeting instead of hiking 📊 Jobs and GDP beat expectations: ADP payrolls at 90K vs 73K expected, GDP at 2.2% vs 1.5% 🔒 What I'd do if you have a house under contract right now 📈 The mortgage bond is up 19 ticks, so rates should ease a little today Get the daily headlines and rate analysis on the blog: https://www.therateupdate.com/blog CHAPTERS 0:00 Inflation Comes in Cooler Than Expected 1:30 How to Read the Mortgage Bond 3:00 Jobs, PCE and GDP Numbers Explained 6:00 Fed Odds and What I'd Do Now 8:00 Free Tools and the Bond Market Check 🏠 APPLY NOW: One Application, One Credit Pull, 30+ Lenders Compared https://257781.my1003app.com/246527/register 📅 REQUEST A FREE CONSULTATION https://go.oncehub.com/solvitmortgagealan ✉️ ASK DAN A QUESTION https://www.therateupdate.com/contact 🔍 FREE LE REVIEW: Already have a quote? Send me your Loan Estimate and I'll compare it against 30+ lenders https://www.therateupdate.com/loan-estimate-review 📉 JOIN RATE WATCH: FREE Rate Monitoring https://rw2.therateupdate.com/ WHERE TO START 🏡 Buying a home: FHA, VA, USDA, conventional, jumbo and down payment assistance https://www.therateupdate.com/first-time-home-buyer 🔁 Refinancing or accessing equity: cash-out, FHA Streamline, VA IRRRL, HELOC and reverse https://www.therateupdate.com/homeowner-options 🏢 Buying rentals: DSCR on 1 to 8 units, bank statement and no-income options https://www.therateupdate.com/investment-property-loans 🎁 Down payment assistance: 3.5% to 5%, including grants you never repay https://www.therateupdate.com/down-payment-assistance TOP RESOURCES 📊 TRU Mortgage Command Center: Live Rate Dashboard https://command.therateupdate.com/ 💳 TRU Debt Optimizer https://debtrelief.therateupdate.com/ 🧮 Mortgage Calculators & Tools https://www.therateupdate.com/mortgage-calculators FOLLOW THE RATE UPDATE YouTube: https://www.youtube.com/@TheRateUpdatewithDanFrio Instagram: https://instagram.com/therateupdate TikTok: https://tiktok.com/@therateupdate If this helped you understand mortgage rates a little better, subscribe and turn on notifications so you catch the next update. DISCLAIMER Dan Frio | NMLS #246527 | PBT Bancorp | NMLS #257781 | Equal Housing Lender 524 Main St, Hazard, KY 41701 NMLS Consumer Access: https://www.nmlsconsumeraccess.org/ Dan Frio is a federally registered mortgage loan originator with PBT Bancorp. Mortgage products are originated by PBT Bancorp, NMLS #257781. This channel is for education and commentary only. Topics may include mortgage rates, real estate, housing, stocks, bonds, cryptocurrency, inflation, the Federal Reserve, and financial markets. All opinions are my own and do not represent PBT Bancorp or any financial institution I may be employed by or affiliated with. Nothing on this channel is an offer to lend, a commitment to lend, or financial, legal, tax, or investment advice. Mortgage rates, terms, approvals and programs are subject to borrower qualifications, market conditions, underwriting approval, and change without notice. Not all borrowers will qualify. #MortgageRates #Inflation #FederalReserve #HousingMarket #Homebuyers #Realtors

Mortgage rates are at 7.5% today, up from 5.99% in March, and the housing market would need to fall about 14% to bring your payment back. I break down the Case-Shiller home price report, the PCE inflation number, and why I see a 70% chance the Federal Reserve raises rates at its next meeting. 🏠 Home prices rose 2.5% in the Case-Shiller index. No crash, just higher prices 📉 Waiting cost buyers more: rates went from 5.99% to 7.5% since March 📊 PCE inflation and the ADP jobs report are the numbers to watch this week 🏦 I explain why I think the Fed hikes in 29 days, and again in December 🛢️ Watch oil: higher oil means higher inflation and higher mortgage rates 🔁 What I'm telling my clients to do right now if they're buying, building, or already own Read my full daily breakdown and forecast on the blog: https://www.therateupdate.com/blog CHAPTERS 0:00 What Are You Waiting For? Rates 5.99% vs 7.5% 1:55 Case-Shiller Home Prices Jump to 2.5% 3:05 Why a 14% Price Drop Would Be Needed to Match March Payments 5:10 PCE, Jobs Report and the Fed's Next Move 8:05 What I'm Telling Buyers Right Now (Tools and Rate Watch) 🏠 APPLY NOW — One Application, One Credit Pull, 30+ Lenders Compared https://257781.my1003app.com/246527/register 📅 REQUEST A FREE CONSULTATION https://go.oncehub.com/solvitmortgagealan 🔍 FREE LE REVIEW — Already have a quote? Send me your Loan Estimate and I'll compare it against 30+ lenders https://www.therateupdate.com/loan-estimate-review 📉 JOIN RATE WATCH — FREE Rate Monitoring https://rw2.therateupdate.com/ Welcome to The Rate Update with Dan Frio. This channel helps homebuyers, homeowners, real estate professionals, and anyone watching the housing market understand what is really happening with mortgage rates, housing, inflation, the bond market, the Federal Reserve, and the economy. Here we break down the stories that impact your mortgage payment, your buying power, your refinance options, and your financial decisions. WHAT YOU'LL FIND ON THIS CHANNEL 🏠 Daily mortgage rate updates 📉 Housing market news and home price trends 📊 Inflation, CPI, and Federal Reserve analysis 📈 10-Year Treasury and mortgage bond movement 💰 Refinance and debt consolidation opportunities 🏡 First-time homebuyer education 🔁 Rate Watch mortgage monitoring tools 🧮 Mortgage calculators and payment tools WHERE TO START 🏡 Buying a home — FHA, VA, USDA, conventional, jumbo and down payment assistance https://www.therateupdate.com/first-time-home-buyer 🔁 Refinancing or accessing equity — cash-out, FHA Streamline, VA IRRRL, HELOC and reverse https://www.therateupdate.com/homeowner-options 🏢 Buying rentals — DSCR on 1 to 8 units, bank statement and no-income options https://www.therateupdate.com/investment-property-loans 🎁 Down payment assistance — 3.5% to 5%, including grants you never repay https://www.therateupdate.com/down-payment-assistance TOP RESOURCES 📊 TRU Mortgage Command Center — Live Rate Dashboard https://command.therateupdate.com/ 💳 TRU Debt Optimizer https://debtrelief.therateupdate.com/ 🧮 Mortgage Calculators & Tools https://www.therateupdate.com/mortgage-calculators ✉️ Ask Dan a Question https://www.therateupdate.com/contact FOLLOW THE RATE UPDATE YouTube: https://www.youtube.com/@TheRateUpdatewithDanFrio Instagram: https://instagram.com/therateupdate TikTok: https://tiktok.com/@therateupdate If this helped you understand mortgage rates a little better, subscribe and turn on notifications so you catch the next update. DISCLAIMER Dan Frio | NMLS #246527 | PBT Bancorp | NMLS #257781 | Equal Housing Lender 524 Main St, Hazard, KY 41701 NMLS Consumer Access: https://www.nmlsconsumeraccess.org/ Dan Frio is a federally registered mortgage loan originator with PBT Bancorp. Mortgage products are originated by PBT Bancorp, NMLS #257781. This channel is for education and commentary only. Topics may include mortgage rates, real estate, housing, stocks, bonds, cryptocurrency, inflation, the Federal Reserve, and financial markets. All opinions are my own and do not represent PBT Bancorp or any financial institution I may be employed by or affiliated with. Nothing on this channel is an offer to lend, a commitment to lend, or financial, legal, tax, or investment advice. Mortgage rates, terms, approvals and programs are subject to borrower qualifications, market conditions, underwriting approval, and change without notice. Not all borrowers will qualify. #MortgageRates #HousingMarket #FederalReserve #Inflation #HomeBuyers

Mortgage rates today are jumping toward 7.5% as oil prices surge over 4% and the mortgage bond market drops 38 ticks. I break down the bond market, inflation data, and Federal Reserve rate hike odds so homebuyers, homeowners, and realtors know what to expect. In this episode of The Rate Update:🛢️ Oil jumps over 4% after Trump rejects the Iranian proposal on the strait, and why that hits mortgage rates📉 Mortgage bonds (MBS) are down 38 ticks, and what that means for your rate today📅 This week's economic reports: Case-Shiller home prices, consumer confidence, JOLTS job openings, and Core PCE inflation, with my forecasts🏦 Why the Fed funds rate doesn't set your mortgage rate, and what the bond market is really doing📊 Why the 30 year fixed sits at 7.43% while the 10 year Treasury is 5.17%, and how the risk premium spread is keeping rates high⚠️ Fed rate hike odds: about a 68% chance at the next meeting🏡 What I'm telling clients: if you're under contract, walk in the rate today; if you're buying down the road, qualify at 7.5% to 7.75% Read today's full breakdown and the numbers behind it on my blog:https://www.therateupdate.com/blog CHAPTERS0:00 Oil Jumps 4%, Mortgage Bonds Fall, Rates Near 7.5%1:30 What the Fed Does and What Actually Moves Mortgage Rates3:00 This Week's Data: Home Prices, Confidence, Jobs, Core PCE7:00 Why Rates Aren't Getting Back to 5%: Bonds and Risk Premium10:30 Fed Hike Odds and What Homebuyers Should Do Now 🏠 APPLY NOW — One Application, One Credit Pull, 30+ Lenders Comparedhttps://257781.my1003app.com/246527/register 📅 REQUEST A FREE CONSULTATIONhttps://go.oncehub.com/solvitmortgagealan 🔍 FREE LE REVIEW — Already have a quote? Send me your Loan Estimate and I'll compare it against 30+ lendershttps://www.therateupdate.com/loan-estimate-review 📉 JOIN RATE WATCH — FREE Rate Monitoringhttps://rw2.therateupdate.com/ Welcome to The Rate Update with Dan Frio. This channel helps homebuyers, homeowners, real estate professionals, and anyone watching the housing market understand what is really happening with mortgage rates, housing, inflation, the bond market, the Federal Reserve, and the economy. Here we break down the stories that impact your mortgage payment, your buying power, your refinance options, and your financial decisions. WHAT YOU'LL FIND ON THIS CHANNEL🏠 Daily mortgage rate updates📉 Housing market news and home price trends📊 Inflation, CPI, and Federal Reserve analysis📈 10-Year Treasury and mortgage bond movement💰 Refinance and debt consolidation opportunities🏡 First-time homebuyer education🔁 Rate Watch mortgage monitoring tools🧮 Mortgage calculators and payment tools WHERE TO START 🏡 Buying a home — FHA, VA, USDA, conventional, jumbo and down payment assistancehttps://www.therateupdate.com/first-time-home-buyer 🔁 Refinancing or accessing equity — cash-out, FHA Streamline, VA IRRRL, HELOC and reversehttps://www.therateupdate.com/homeowner-options 🏢 Buying rentals — DSCR on 1 to 8 units, bank statement and no-income optionshttps://www.therateupdate.com/investment-property-loans 🎁 Down payment assistance — 3.5% to 5%, including grants you never repayhttps://www.therateupdate.com/down-payment-assistance TOP RESOURCES 📊 TRU Mortgage Command Center — Live Rate Dashboardhttps://command.therateupdate.com/ 💳 TRU Debt Optimizerhttps://debtrelief.therateupdate.com/ 🧮 Mortgage Calculators & Toolshttps://www.therateupdate.com/mortgage-calculators ✉️ Ask Dan a Questionhttps://www.therateupdate.com/contact FOLLOW THE RATE UPDATE YouTube: https://www.youtube.com/@TheRateUpdatewithDanFrioInstagram: https://instagram.com/therateupdateTikTok: https://tiktok.com/@therateupdate If this helped you understand mortgage rates a little better, subscribe and turn on notifications so you catch the next update. DISCLAIMER Dan Frio | NMLS #246527 | PBT Bancorp | NMLS #257781 | Equal Housing Lender524 Main St, Hazard, KY 41701NMLS Consumer Access: https://www.nmlsconsumeraccess.org/ Dan Frio is a federally registered mortgage loan originator with PBT Bancorp. Mortgage products are originated by PBT Bancorp, NMLS #257781. This channel is for education and commentary only. Topics may include mortgage rates, real estate, housing, stocks, bonds, cryptocurrency, inflation, the Federal Reserve, and financial markets. All opinions are my own and do not represent PBT Bancorp or any financial institution I may be employed by or affiliated with. Nothing on this channel is an offer to lend, a commitment to lend, or financial, legal, tax, or investment advice. Mortgage rates, terms, approvals and programs are subject to borrower qualifications, market conditions, underwriting approval, and change without notice. Not all borrowers will qualify. #MortgageRates #MortgageRatesToday #HousingMarket #FederalReserve #Inflation #BondMarket #Homebuyers #Realtors

Mortgage rates jumped from 7.17% to 7.45% in just 48 hours this week, and I'm breaking down exactly why. Hot Services and Manufacturing PMI inflation numbers on Wednesday spooked the bond market, and here's what it means for your rate, your budget, and next week's Fed data. 📉 Mortgage rates jumped from 7.17% to 7.45% in 48 hours, here's why 📊 Hot Services PMI (56 to 58) and Manufacturing PMI (53.9 to 57) spooked the bond market 📅 Next week's key Fed data: PCE, Core PCE, and the Case Shiller home price index 🏠 How a $10,000 seller credit can buy your rate down to 5.25% in year one 🛢️ Why tracking oil prices daily can tell you where mortgage rates are headed ❤️ A story about my dad's advice on making the best of a tough situation Read more on the blog: https://www.therateupdate.com/blog ⏱️ CHAPTERS 0:00 Intro: My Dad's Advice on the "Golden Years" 1:30 Mortgage Bond Basics and Why Rates Jumped 7.17% to 7.45% 5:30 What's Coming Next Week: PCE, Core PCE, and Home Prices 9:00 The $10,000 Seller Credit Buydown Strategy Explained 13:00 Track Oil, Not Just Rates: Final Takeaways 🏠 APPLY NOW — One Application, One Credit Pull, 30+ Lenders Compared https://257781.my1003app.com/246527/register 📅 REQUEST A FREE CONSULTATION https://go.oncehub.com/solvitmortgagealan 🔍 FREE LE REVIEW — Already have a quote? Send me your Loan Estimate and I'll compare it against 30+ lenders https://www.therateupdate.com/loan-estimate-review 📉 JOIN RATE WATCH — FREE Rate Monitoring https://rw2.therateupdate.com/ Welcome to The Rate Update with Dan Frio. This channel helps homebuyers, homeowners, real estate professionals, and anyone watching the housing market understand what is really happening with mortgage rates, housing, inflation, the bond market, the Federal Reserve, and the economy. Here we break down the stories that impact your mortgage payment, your buying power, your refinance options, and your financial decisions. WHAT YOU'LL FIND ON THIS CHANNEL 🏠 Daily mortgage rate updates 📉 Housing market news and home price trends 📊 Inflation, CPI, and Federal Reserve analysis 📈 10-Year Treasury and mortgage bond movement 💰 Refinance and debt consolidation opportunities 🏡 First-time homebuyer education 🔁 Rate Watch mortgage monitoring tools 🧮 Mortgage calculators and payment tools WHERE TO START 🏡 Buying a home — FHA, VA, USDA, conventional, jumbo and down payment assistance https://www.therateupdate.com/first-time-home-buyer 🔁 Refinancing or accessing equity — cash-out, FHA Streamline, VA IRRRL, HELOC and reverse https://www.therateupdate.com/homeowner-options 🏢 Buying rentals — DSCR on 1 to 8 units, bank statement and no-income options https://www.therateupdate.com/investment-property-loans 🎁 Down payment assistance — 3.5% to 5%, including grants you never repay https://www.therateupdate.com/down-payment-assistance TOP RESOURCES 📊 TRU Mortgage Command Center — Live Rate Dashboard https://command.therateupdate.com/ 💳 TRU Debt Optimizer https://debtrelief.therateupdate.com/ 🧮 Mortgage Calculators & Tools https://www.therateupdate.com/mortgage-calculators ✉️ Ask Dan a Question https://www.therateupdate.com/contact FOLLOW THE RATE UPDATE YouTube: https://www.youtube.com/@TheRateUpdatewithDanFrio Instagram: https://instagram.com/therateupdate TikTok: https://tiktok.com/@therateupdate If this helped you understand mortgage rates a little better, subscribe and turn on notifications so you catch the next update. DISCLAIMER Dan Frio | NMLS #246527 | PBT Bancorp | NMLS #257781 | Equal Housing Lender 524 Main St, Hazard, KY 41701 NMLS Consumer Access: https://www.nmlsconsumeraccess.org/ Dan Frio is a federally registered mortgage loan originator with PBT Bancorp. Mortgage products are originated by PBT Bancorp, NMLS #257781. This channel is for education and commentary only. Topics may include mortgage rates, real estate, housing, stocks, bonds, cryptocurrency, inflation, the Federal Reserve, and financial markets. All opinions are my own and do not represent PBT Bancorp or any financial institution I may be employed by or affiliated with. Nothing on this channel is an offer to lend, a commitment to lend, or financial, legal, tax, or investment advice. Mortgage rates, terms, approvals and programs are subject to borrower qualifications, market conditions, underwriting approval, and change without notice. Not all borrowers will qualify. #MortgageRates #FederalReserve #HousingMarket #InterestRates #FirstTimeHomeBuyer

Mortgage rates today are about 7.25% after hot inflation numbers hit the bond market, and the Federal Reserve now has a 70% chance of a rate hike priced in. I break down what it means for your payment and what to watch next. If you're a homebuyer, a homeowner tracking your rate, or a realtor explaining this to clients, here's what I cover today: 📈 Mortgage rates jumped to about 7.25%, up from 5.99% about six months ago🏭 Services inflation came in at 58.7 versus about 56 expected, and manufacturing also came in hot🛢️ Why oil keeps driving inflation, and why diesel at $6 a gallon is a problem📉 The 10-Year Treasury at 5% and why it keeps 30-year mortgage rates high🏦 The Fed's next meeting is in 34 days, and the odds of a hike jumped from the 50s to 70%📅 The PCE report is next week. If it's hot, rates could hit 7.5%. If it's cooler, rates could fall back to 7% or even the sixes🔒 Why I'm telling clients with a contract to lock now. A jump of about an eighth of a point can add $100 to $150 to a monthly payment More mortgage rate and housing market breakdowns on the blog:https://www.therateupdate.com/blog CHAPTERS0:00 Mortgage Rates Jump to 7.25% After Hot Inflation Numbers0:50 Yesterday's Bond Market Move: Services and Manufacturing Reports3:00 Why Oil and Diesel Prices Keep Inflation Higher6:00 Jobs Report, PCE Next Week, and the 70% Fed Hike Odds8:30 My Advice to Homebuyers, Homeowners, and Realtors 🏠 APPLY NOW: One Application, One Credit Pull, 30+ Lenders Comparedhttps://257781.my1003app.com/246527/register 📅 REQUEST A FREE CONSULTATIONhttps://go.oncehub.com/solvitmortgagealan ✉️ Ask Dan a Questionhttps://www.therateupdate.com/contact 🔍 FREE LE REVIEW: Already have a quote? Send me your Loan Estimate and I'll compare it against 30+ lendershttps://www.therateupdate.com/loan-estimate-review 📉 JOIN RATE WATCH: FREE Rate Monitoringhttps://rw2.therateupdate.com/ Welcome to The Rate Update with Dan Frio. This channel helps homebuyers, homeowners, real estate professionals, and anyone watching the housing market understand what is really happening with mortgage rates, housing, inflation, the bond market, the Federal Reserve, and the economy. Here we break down the stories that impact your mortgage payment, your buying power, your refinance options, and your financial decisions. WHAT YOU'LL FIND ON THIS CHANNEL🏠 Daily mortgage rate updates📉 Housing market news and home price trends📊 Inflation, CPI, and Federal Reserve analysis📈 10-Year Treasury and mortgage bond movement💰 Refinance and debt consolidation opportunities🏡 First-time homebuyer education🔁 Rate Watch mortgage monitoring tools🧮 Mortgage calculators and payment tools WHERE TO START 🏡 Buying a home: FHA, VA, USDA, conventional, jumbo and down payment assistancehttps://www.therateupdate.com/first-time-home-buyer 🔁 Refinancing or accessing equity: cash-out, FHA Streamline, VA IRRRL, HELOC and reversehttps://www.therateupdate.com/homeowner-options 🏢 Buying rentals: DSCR on 1 to 8 units, bank statement and no-income optionshttps://www.therateupdate.com/investment-property-loans 🎁 Down payment assistance: 3.5% to 5%, including grants you never repayhttps://www.therateupdate.com/down-payment-assistance TOP RESOURCES 📊 TRU Mortgage Command Center: Live Rate Dashboardhttps://command.therateupdate.com/ 💳 TRU Debt Optimizerhttps://debtrelief.therateupdate.com/ 🧮 Mortgage Calculators & Toolshttps://www.therateupdate.com/mortgage-calculators FOLLOW THE RATE UPDATE YouTube: https://www.youtube.com/@TheRateUpdatewithDanFrioInstagram: https://instagram.com/therateupdateTikTok: https://tiktok.com/@therateupdate If this helped you understand mortgage rates a little better, subscribe and turn on notifications so you catch the next update. DISCLAIMER Dan Frio | NMLS #246527 | PBT Bancorp | NMLS #257781 | Equal Housing Lender524 Main St, Hazard, KY 41701NMLS Consumer Access: https://www.nmlsconsumeraccess.org/ Dan Frio is a federally registered mortgage loan originator with PBT Bancorp. Mortgage products are originated by PBT Bancorp, NMLS #257781. This channel is for education and commentary only. Topics may include mortgage rates, real estate, housing, stocks, bonds, cryptocurrency, inflation, the Federal Reserve, and financial markets. All opinions are my own and do not represent PBT Bancorp or any financial institution I may be employed by or affiliated with. Nothing on this channel is an offer to lend, a commitment to lend, or financial, legal, tax, or investment advice. Mortgage rates, terms, approvals and programs are subject to borrower qualifications, market conditions, underwriting approval, and change without notice. Not all borrowers will qualify. #mortgagerates  #housingmarket  #federalreserve  #inflation  #bondmarket

Mortgage rates today are moving because of the bond market and oil prices, not the Federal Reserve. Here's what really affects mortgage rates and why homes are still so unaffordable. If you're a homebuyer, realtor, loan officer, or homeowner watching where rates go from here, I break down the mortgage bond, inflation, oil, and the Fed in plain English, with the real numbers. IN THIS EPISODE📉 Why mortgage-backed securities (MBS) are down 22 today and what that means for your rate💵 How bond prices and yields work, and why rates rise when bond prices fall🏦 Why the Federal Reserve doesn't control mortgage rates (it moves credit cards, car loans, and personal loans)🏠 Home prices: $404,000 in 2023 vs. $429,000 today, so no crash, just slow appreciation📊 Average 30-year rates: 7.18% in 2023, 6.35% in 2024, about 6.5% in 2025🧾 Why homes are still unaffordable: rising property taxes and insurance costs🛢️ Why oil at $100 a barrel is the number traders are watching for inflation and rates🔒 Should you lock today? What I'm telling buyers with a contract in Read the full breakdown on the blog:https://www.therateupdate.com/blog CHAPTERS0:00 Mortgage Rates Today: Bond Market Is Down1:50 How Bond Prices and Yields Move Mortgage Rates3:30 Home Prices and Mortgage Rates Since 20235:45 Why the Fed Doesn't Control Mortgage Rates8:15 Oil, Inflation, and Should You Lock Today 🏠 APPLY NOW: One Application, One Credit Pull, 30+ Lenders Comparedhttps://257781.my1003app.com/246527/register 📅 REQUEST A FREE CONSULTATIONhttps://go.oncehub.com/solvitmortgagealan ✉️ ASK DAN A QUESTIONhttps://www.therateupdate.com/contact 🔍 FREE LE REVIEW: Already have a quote? Send me your Loan Estimate and I'll compare it against 30+ lendershttps://www.therateupdate.com/loan-estimate-review 📉 JOIN RATE WATCH: FREE Rate Monitoringhttps://rw2.therateupdate.com/ WHERE TO START 🏡 Buying a home: FHA, VA, USDA, conventional, jumbo and down payment assistancehttps://www.therateupdate.com/first-time-home-buyer 🔁 Refinancing or accessing equity: cash-out, FHA Streamline, VA IRRRL, HELOC and reversehttps://www.therateupdate.com/homeowner-options 🏢 Buying rentals: DSCR on 1 to 8 units, bank statement and no-income optionshttps://www.therateupdate.com/investment-property-loans 🎁 Down payment assistance: 3.5% to 5%, including grants you never repayhttps://www.therateupdate.com/down-payment-assistance TOP RESOURCES 📊 TRU Mortgage Command Center: Live Rate Dashboardhttps://command.therateupdate.com/ 💳 TRU Debt Optimizerhttps://debtrelief.therateupdate.com/ 🧮 Mortgage Calculators & Toolshttps://www.therateupdate.com/mortgage-calculators FOLLOW THE RATE UPDATE YouTube: https://www.youtube.com/@TheRateUpdatewithDanFrioInstagram: https://instagram.com/therateupdateTikTok: https://tiktok.com/@therateupdate If this helped you understand mortgage rates a little better, subscribe and turn on notifications so you catch the next update. DISCLAIMER Dan Frio | NMLS #246527 | PBT Bancorp | NMLS #257781 | Equal Housing Lender524 Main St, Hazard, KY 41701NMLS Consumer Access: https://www.nmlsconsumeraccess.org/ Dan Frio is a federally registered mortgage loan originator with PBT Bancorp. Mortgage products are originated by PBT Bancorp, NMLS #257781. This channel is for education and commentary only. Topics may include mortgage rates, real estate, housing, stocks, bonds, cryptocurrency, inflation, the Federal Reserve, and financial markets. All opinions are my own and do not represent PBT Bancorp or any financial institution I may be employed by or affiliated with. Nothing on this channel is an offer to lend, a commitment to lend, or financial, legal, tax, or investment advice. Mortgage rates, terms, approvals and programs are subject to borrower qualifications, market conditions, underwriting approval, and change without notice. Not all borrowers will qualify. #MortgageRates #MortgageRatesToday #HousingMarket #BondMarket #FederalReserve #Inflation #Homebuyers #Realtors #TheRateUpdate

Mortgage rates, inflation, and the bond market are all reacting to oil prices and this week's Federal Reserve outlook. In today's video I break down the MBS bond market, the jobs report, and the 10 Year Treasury to help you decide if now is the time to lock in your mortgage rate, refinance, or keep waiting. 🏦 Today's MBS bond market move (up 11 ticks) and what "green" and "above 10" actually mean for your rate 📊 What the Federal Reserve did last week and where the odds stand ahead of the next meeting 💼 This week's jobs data, including today's payroll report and Thursday's jobless claims 🛢️ Why oil dropping under $100 a barrel and the Iran conflict are driving inflation expectations 📉 The 10 Year Treasury's move after flirting with the 5% mark 🧮 Free calculators to see your real refinance savings, plus what to do if you're already under contract 📝 Full breakdown and free calculators on the blog: https://www.therateupdate.com/blog ⏱ CHAPTERS 0:00 Should You Lock In or Wait Right Now 1:10 Reading Today's Mortgage Bond Market 3:05 What the Fed Just Did and This Week's Jobs Data 5:20 Oil, Iran, and the 10 Year Treasury 8:00 Buyer and Refinance Guidance, Plus Free Calculators 🏠 APPLY NOW — One Application, One Credit Pull, 30+ Lenders Compared https://257781.my1003app.com/246527/register 📅 REQUEST A FREE CONSULTATION https://go.oncehub.com/solvitmortgagealan 🔍 FREE LE REVIEW — Already have a quote? Send me your Loan Estimate and I'll compare it against 30+ lenders https://www.therateupdate.com/loan-estimate-review 📉 JOIN RATE WATCH — FREE Rate Monitoring https://rw2.therateupdate.com/ Welcome to The Rate Update with Dan Frio. This channel helps homebuyers, homeowners, real estate professionals, and anyone watching the housing market understand what is really happening with mortgage rates, housing, inflation, the bond market, the Federal Reserve, and the economy. Here we break down the stories that impact your mortgage payment, your buying power, your refinance options, and your financial decisions. WHAT YOU'LL FIND ON THIS CHANNEL 🏠 Daily mortgage rate updates 📉 Housing market news and home price trends 📊 Inflation, CPI, and Federal Reserve analysis 📈 10-Year Treasury and mortgage bond movement 💰 Refinance and debt consolidation opportunities 🏡 First-time homebuyer education 🔁 Rate Watch mortgage monitoring tools 🧮 Mortgage calculators and payment tools WHERE TO START 🏡 Buying a home — FHA, VA, USDA, conventional, jumbo and down payment assistance https://www.therateupdate.com/first-time-home-buyer 🔁 Refinancing or accessing equity — cash-out, FHA Streamline, VA IRRRL, HELOC and reverse https://www.therateupdate.com/homeowner-options 🏢 Buying rentals — DSCR on 1 to 8 units, bank statement and no-income options https://www.therateupdate.com/investment-property-loans 🎁 Down payment assistance — 3.5% to 5%, including grants you never repay https://www.therateupdate.com/down-payment-assistance TOP RESOURCES 📊 TRU Mortgage Command Center — Live Rate Dashboard https://command.therateupdate.com/ 💳 TRU Debt Optimizer https://debtrelief.therateupdate.com/ 🧮 Mortgage Calculators & Tools https://www.therateupdate.com/mortgage-calculators ✉️ Ask Dan a Question https://www.therateupdate.com/contact FOLLOW THE RATE UPDATE YouTube: https://www.youtube.com/@TheRateUpdatewithDanFrio Instagram: https://instagram.com/therateupdate TikTok: https://tiktok.com/@therateupdate If this helped you understand mortgage rates a little better, subscribe and turn on notifications so you catch the next update. DISCLAIMER Dan Frio | NMLS #246527 | PBT Bancorp | NMLS #257781 | Equal Housing Lender 524 Main St, Hazard, KY 41701 NMLS Consumer Access: https://www.nmlsconsumeraccess.org/ Dan Frio is a federally registered mortgage loan originator with PBT Bancorp. Mortgage products are originated by PBT Bancorp, NMLS #257781. This channel is for education and commentary only. Topics may include mortgage rates, real estate, housing, stocks, bonds, cryptocurrency, inflation, the Federal Reserve, and financial markets. All opinions are my own and do not represent PBT Bancorp or any financial institution I may be employed by or affiliated with. Nothing on this channel is an offer to lend, a commitment to lend, or financial, legal, tax, or investment advice. Mortgage rates, terms, approvals and programs are subject to borrower qualifications, market conditions, underwriting approval, and change without notice. Not all borrowers will qualify. #MortgageRates #FederalReserve #HousingMarket #Inflation #Refinance #Homebuyers #BondMarket #InterestRates