The Rate Update —Oil Markets Stabilize Amid Iran Ceasefire — Mortgage Rate Outlook Shifts

Oil markets are stabilizing as the Iran ceasefire cools one of the biggest inflation risks facing mortgage rates right now. In today’s episode of The Rate Update, I break down what the Iran ceasefire means for oil prices, why that matters for inflation, how the bond market is reacting, and what it could mean next for mortgage rates, homeowners, and homebuyers. If oil continues to settle down, that could remove some inflation pressure from the market. And when inflation fears ease, Treasury yields and mortgage rates can sometimes follow. That does not guarantee lower rates immediately, but it absolutely shifts the conversation and the outlook. In this video, I cover: - Why oil prices matter to mortgage rates - How Iran and Middle East tensions were affecting inflation fears - Why a ceasefire is helping calm the markets - What the bond market and Treasury yields are telling us now - What this could mean for homebuyers waiting to purchase - What this could mean for homeowners watching refinance opportunities - What to watch next if you’re tracking mortgage rates day by day If you’re a homebuyer, homeowner, realtor, or mortgage professional trying to make sense of where rates may go next, this video will help connect the dots between geopolitics, inflation, Treasury yields, and mortgage pricing. ► ► Get Pre-Approved With My Team → https://257781.my1003app.com/246527/register ► ► Schedule a Consultation → https://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05 ► ► Contact / Ask Dan → https://www.therateupdate.com/contact TOP RESOURCES 📉 Track Mortgage Rates Automatically → https://rw2.therateupdate.com/ 🏠 TRU Mortgage Command Center → https://command.therateupdate.com/ 💳 TRU Debt Optimizer → https://debtrelief.therateupdate.com/ 🧮 Mortgage Calculators & Tools → https://stan.store/TRU-Foundations 📊 Credit Monitoring (SmartCredit) → https://www.smartcredit.com/?PID=42980 📈 Free Credit Scores (Credit Karma) → https://www.creditkarma.com/lp/free-credit-scores-v12aff?adcopy=0&adcampaign=core_acq_awin WORK WITH ME 📅 Schedule a Consultation → https://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05 📝 Apply for a Mortgage (30+ Lenders • 1 Credit Pull) → https://257781.my1003app.com/246527/register 📨 Contact / Ask Dan → 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 CHAPTERS 00:00 Oil Markets Stabilize After Iran Ceasefire 00:42 Why This Matters for Mortgage Rates 02:05 How Oil Impacts Inflation 03:41 Why Wall Street Reacted So Fast 05:02 Treasury Yields and Bond Market Response 06:36 What This Means for Homebuyers 08:01 What This Means for Homeowners and Refinancing 09:24 What Could Happen Next With Rates 10:48 My Mortgage Rate Outlook 11:52 Final Thoughts and What to Watch Next — DISCLAIMER — Dan Frio is a licensed mortgage loan officer in all 50 states and Puerto Rico (NMLS #246527) with TRU Mortgage Team / PBT Bancorp (NMLS #257781), an Equal Housing Lender. This channel and all content published by Dan Frio are provided for educational and informational purposes only. Nothing in this video, description, comments, calculators, tools, emails, websites, or linked content should be construed as an offer to lend, a commitment to lend, financial advice, legal advice, tax advice, or investment advice. Mortgage approvals, loan terms, interest rates, down payment requirements, and program availability are subject to change without notice and depend on borrower qualifications, including but not limited to credit score, income, assets, employment, property type, occupancy, appraisal, title, underwriting approval, and current lending guidelines. All opinions expressed are solely those of Dan Frio and do not necessarily reflect the views of PBT Bancorp, its affiliates, or any other institution. Use of this channel, watching videos, commenting, messaging, scheduling a consultation, or submitting information does not create a client relationship. All examples, payment scenarios, savings illustrations, and mortgage comparisons are for demonstration purposes only and should be independently verified. Not all borrowers will qualify. Equal Housing Lender. TRU Mortgage Team / PBT Bancorp NMLS #257781 Dan Frio NMLS #246527 Equal Housing Lender