Fed Rate Cuts Are Coming — Here's the Data You Need to Watch

Chicago Fed President Austan Goolsbee signaled that more rate cuts could be possible if inflation keeps cooling — but here’s the crucial point:👉 The Fed doesn’t cut rates based on commentary.👉 They cut based on incoming data.In this episode, we break down exactly what the Fed and bond markets are watching — and how that flows directly into mortgage rates.We cover:• CPI (Consumer Price Index)• PPI (Producer Price Index)• PCE (Personal Consumption Expenditures)• Unemployment Rate• ADP Payrolls• Nonfarm Payrolls• Wage GrowthThen we connect those data points to the markets that matter:📉 The 10-Year Treasury📊 Mortgage-Backed Securities (MBS)🏠 Your Mortgage RateWhen inflation cools → bonds react.When jobs weaken → yields move.When yields move → mortgage rates follow.If you’re a homeowner, buyer, investor, or realtor — this is how you stay ahead of rate moves.No hype. No politics. Just data.🔔 GET YOUR RATE & TOOLS📊 TRU Mortgage Calculator Toolkit (Best Value)Access all professional calculators in one place:👉 https://friodan.gumroad.com/l/aejabs📈 RateWatch 2.0 — Get Rate AlertsBe notified when your target rate hits:👉 https://TheRateUpdate.com/ratewatch📞 Free Strategy CallReview your scenario — lock vs. float guidance included:👉 https://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05❓ Ask Dan a Mortgage QuestionSubmit your scenario for a future show:👉 https://TheRateUpdate.com/contact📝 Apply — One App • One Credit Pull • 30+ Lenders👉 https://257781.my1003app.com/246527/register🧮 MORTGAGE CALCULATORS🏠 Home Affordability Calculator👉 https://friodan.gumroad.com/l/lyxvnp💳 Refinance & Debt Consolidation Analyzer👉 https://friodan.gumroad.com/l/ovvwug⏳ Cost-of-Waiting™ Calculator👉 https://friodan.gumroad.com/l/rjtvn💵 Mortgage Cost & Break-Even Calculator👉 https://friodan.gumroad.com/l/tgvrz📺 FOLLOW THE RATE UPDATEYouTube — https://www.youtube.com/@TheRateUpdatewithDanFrioInstagram — https://instagram.com/therateupdateTikTok — https://tiktok.com/@therateupdateFacebook — https://facebook.com/therateupdateLinkedIn — https://www.linkedin.com/in/danfrioX (Twitter) — https://twitter.com/therateupdate⚖️ COMPLIANCEDan Frio | NMLS #246527Equal Housing Lender | TRU Mortgage Team / PBT Bancorp | NMLS #257781The views expressed are solely those of the host and do not represent PBT Bancorp or its affiliates.Educational & entertainment purposes only — not financial, legal, or investment advice.⏱️ CHAPTERS — Correct for 9:22 Video00:00 Opening & Fed Signal on Rates00:40 Fed Doesn’t Move on Opinion — Data Matters01:50 CPI, PPI & What They Reveal03:05 PCE — The Fed’s Preferred Measure04:05 Jobs Data — Unemployment & Payrolls05:25 Wage Growth & Inflation Pressure06:10 10-Year Treasury & Bond Reaction07:00 Mortgage-Backed Securities (MBS) Link08:20 What This Means for Your Mortgage Rate09:05 Final Takeaways & Next Steps