Tru Rate Update-Fed Rate Decision Could Save—or Sink—Your Mortgage Rate

TRU Rate Update — Fed Rate Decision Could Save—or Sink—Your Mortgage Rate Watch here: https://youtu.be/WQLrrZ9eY8c Mortgage rates have improved recently — but next week’s Federal Reserve decision could determine whether that relief continues… or whether rates move higher again. In today’s episode, Dan Frio breaks down what the Fed is facing right now: ✅ Mortgage rates have pulled back ✅ Inflation is still running hotter than the Fed wants ✅ Jobs numbers remain strong ✅ GDP and the broader economy are holding up ✅ Oil prices and geopolitical risk are adding inflation pressure ✅ Homebuyers and homeowners are trying to decide whether to lock, float, buy, refinance, or wait The big question: Can the Fed help mortgage rates — or will sticky inflation force them to stay cautious? This matters if you are buying a home, refinancing, watching home prices, trying to time the market, or simply trying to understand why mortgage rates are not falling faster. CHAPTERS 00:00 Fed Decision Could Save—or Sink—Mortgage Rates 00:45 Why Next Week’s Fed Meeting Matters 02:10 Mortgage Rates Have Improved — But Is It Temporary? 03:30 Inflation Is Still the Fed’s Biggest Problem 05:00 Strong Jobs and GDP Keep Pressure on Rates 06:30 Oil Prices and Inflation Risk 08:00 Why a Strong Economy Can Hurt Mortgage Rates 09:45 What Homebuyers Should Watch Now 11:30 What Homeowners and Refinancers Should Do 13:00 Lock, Float, Wait, or Monitor? 14:30 Final Takeaway: Mortgage Rates Are Still Data-Dependent 15:30 Track Your Target Rate Automatically 🔗 NEXT STEPS 🏠 Ready to Buy or Refinance? Get Pre-Approved https://257781.my1003app.com/246527/register 📅 Want to Talk Through Your Options? Schedule a Consultation https://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05 ✉️ Have Questions? 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 Welcome to The Rate Update with Dan Frio. I break down mortgage rates, housing, inflation, Treasury yields, Federal Reserve policy, and the economic news that impacts homebuyers, homeowners, real estate professionals, and anyone watching the housing market. My goal is simple: help you understand what’s happening, why it matters, and what you should do next. On this channel, you’ll find content about mortgage rates today, housing market updates, refinance opportunities, homebuying strategies, inflation, Federal Reserve news, Treasury and bond market movements, mortgage industry insights, and tools to help you save money and make smarter decisions. 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 — 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