Mortgage Rates Today | Housing Market & Fed News – The Rate Update with Dan Frio

Mortgage rates jumped from 5.99% to 7.2% without the Federal Reserve raising rates once in the last six months. In today's update I break down why oil, inflation, and the bond market are really driving your rate, what today's Fed meeting means, and what I'm telling my clients right now.📊 Why mortgage rates jumped from 5.99% to 7.2% while the Fed sat still for six months🏦 What the Federal Reserve actually controls, and why it's not your mortgage rate🛢️ My oil price thesis, and why it's the real driver behind the inflation everyone's watching📈 How the 10 Year Treasury and the mortgage bond spread set your rate, and what today's move costs you in buying power📉 Today's MBS chart heading into the Fed decision, and what I'm telling my clients to do right now📝 Read the full breakdown on the blog: https://www.therateupdate.com/blog0:00 Mortgage Rates Jump Without a Fed Hike0:45 What the Fed Actually Controls2:15 My Oil Price Thesis3:45 The Bond Spread and Your Buying Power6:00 Today's MBS Chart and What To Do Next🏠 APPLY NOW — One Application, One Credit Pull, 30+ Lenders Comparedhttps://257781.my1003app.com/246527/register📅 REQUEST A FREE CONSULTATIONhttps://go.oncehub.com/solvitmortgagealan✉️ CONTACT MEhttps://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/📊 TRU Mortgage Command Center — Live Rate Dashboardhttps://command.therateupdate.com/💳 TRU Debt Optimizerhttps://debtrelief.therateupdate.com/🧮 Mortgage Calculators & Toolshttps://www.therateupdate.com/mortgage-calculatorsYouTube: https://www.youtube.com/@TheRateUpdatewithDanFrioInstagram: https://instagram.com/therateupdateTikTok: https://tiktok.com/@therateupdateDISCLAIMERDan 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 #FederalReserve #HousingMarket #Inflation #BondMarket #InterestRates #RealEstate #MortgageRateUpdate

📈 Ten year Treasury yields just hit their highest level since 2007, and the Federal Reserve could hike mortgage rates as soon as tomorrow's meeting. In this episode I break down what the Fed actually controls, why mortgage rates went up even after Fed rate cuts, and what homebuyers and realtors need to watch next.🏦 What the Federal Reserve controls versus what actually moves your mortgage rate 📉 Why rates climbed from 5.9% to 7.17% even after six Fed rate cuts 🛢️ The six factors driving mortgage rates right now, including oil and Treasury supply 📊 A 92% chance of a Fed rate hike tomorrow, and what today's jobs report means 💡 Free tools to track your rate and see what a hike could do to your paymentFull breakdown on the blog: https://www.therateupdate.com/blog0:00 Ten Year Treasury Hits Highest Level Since 2007 1:45 What The Federal Reserve Actually Controls 3:40 Why Mortgage Rates Rose After The Fed Cut Rates 6:00 The Six Factors Driving Mortgage Rates Right Now 8:15 Fed Meeting Preview and Today's Jobs Report🏠 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/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-assistanceTOP 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/contactFOLLOW THE RATE UPDATE YouTube: https://www.youtube.com/@TheRateUpdatewithDanFrio Instagram: https://instagram.com/therateupdate TikTok: https://tiktok.com/@therateupdateIf 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 #Homebuyers #Realtors

Mortgage rates, inflation, and the bond market are all reacting to one thing this week: oil above $100 a barrel and the Federal Reserve's rate decision. Here's what the Fed is actually watching, and why mortgage rates could still fall even if they hike.🛢️ Oil crosses $100 a barrel, and why that's the real story behind this week's inflation numbers 📊 Breaking down the headline CPI, core CPI, and producer price index, and what each one tells the Fed 📈 The mortgage bond and 10 Year Treasury charts I check every morning, and what a red day actually means for your rate 🏦 CME FedWatch shows an 88% chance the Fed hikes this week, plus the rate hike path through next July 🏠 My advice right now if you're under contract, buying, or refinancing, including how much buffer to build into your rate lock📝 Full breakdown with charts on my blog: https://www.therateupdate.com/blog0:00 Oil Over $100 and This Week's Fed Meeting 1:40 Inflation Breakdown: CPI, Core CPI, and Producer Prices 3:50 Why Oil Is Driving Inflation (The Orange Crop Analogy) 6:10 Reading the Bond Market and the Mortgage Bond Chart 8:50 Fed Odds, the Rate Hike Path, and What You Should Do Now🏠 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 toolsWHERE 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-assistanceTOP 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/contactFOLLOW THE RATE UPDATEYouTube: https://www.youtube.com/@TheRateUpdatewithDanFrio Instagram: https://instagram.com/therateupdate TikTok: https://tiktok.com/@therateupdateIf this helped you understand mortgage rates a little better, subscribe and turn on notifications so you catch the next update.DISCLAIMERDan 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 #Homebuyers

Mortgage rates jumped to 7% this week after hot inflation data, and the Federal Reserve now has a 70% chance of raising rates at next week's meeting. I break down this week's CPI and PPI reports, what the bond market is doing right now, and why oil prices are the number to watch next.📊 This week's CPI and PPI inflation numbers, and where they missed (or hit) expectations 📈 Why the bond market moved the way it did, plus where it's sitting right now 🛢️ How oil, tariffs, and diesel prices near $6/gallon fed into this rate spike 🏦 Why there's a 70% chance the Fed hikes rates at next week's meeting 🔑 What I'm telling my own clients under contract right now: lock or float📝 Full breakdown on the blog: https://www.therateupdate.com/blog⏱️ CHAPTERS 0:00 Rates hit 7%: how we got here 1:45 This week's PPI and CPI numbers explained 4:15 Oil, tariffs, and the inflation chain reaction 6:45 Fed meeting outlook: 70% odds of a hike 8:45 My advice for buyers, realtors, and clients right now🏠 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 toolsWHERE 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-assistanceTOP 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/contactFOLLOW THE RATE UPDATEYouTube: https://www.youtube.com/@TheRateUpdatewithDanFrio Instagram: https://instagram.com/therateupdate TikTok: https://tiktok.com/@therateupdateIf this helped you understand mortgage rates a little better, subscribe and turn on notifications so you catch the next update.DISCLAIMERDan 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.

Mortgage rates are pushing toward 7% today as hot inflation data raises the odds of a Federal Reserve rate hike at next week's meeting. In this update I break down today's PPI report, rising oil and diesel prices, and what the bond market is signaling for your mortgage rate right now.📊 PPI inflation data comes in hot, pushing year over year producer prices to 5.4% 🛢️ Oil tops $100 a barrel and diesel hits $6 a gallon, adding fresh inflation pressure 🏦 CME FedWatch now shows a 65% chance the Federal Reserve hikes rates at next week's meeting 📉 Bond market spreads point to mortgage rates pushing toward 7%, maybe higher 💼 Jobless claims and GDP data show the labor market still holding steady 🏠 What this means for homebuyers, homeowners, and anyone locking a rate this week📖 Read the full breakdown on the blog: https://www.therateupdate.com/blog0:00 Intro: Rates, Oil, and What the Fed Does Next 2:15 Oil and Diesel Prices Push Inflation Higher 4:00 Today's PPI Inflation Numbers Explained 6:45 Fed Rate Hike Odds and the CME FedWatch Tool 8:30 What This Means for Your Mortgage Payment🏠 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 toolsWHERE 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-assistanceTOP 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/contactFOLLOW THE RATE UPDATEYouTube: https://www.youtube.com/@TheRateUpdatewithDanFrio Instagram: https://instagram.com/therateupdate TikTok: https://tiktok.com/@therateupdateIf this helped you understand mortgage rates a little better, subscribe and turn on notifications so you catch the next update.DISCLAIMERDan 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 #Homebuyers

Oil prices are falling right as this week's biggest inflation reports hit: PPI tomorrow, CPI Friday, and a Federal Reserve meeting next week that will decide what happens to your mortgage rate.🛢️ Oil prices are dropping, and that ties directly into inflation and your mortgage rate 📊 PPI (producer inflation) drops tomorrow. Dan's forecast: hotter than consensus, driven by a base effect most people are missing 📈 CPI (consumer inflation) drops Friday, the number the Fed says will decide their next move 🏦 The Fed meets next week. Current odds sit at 62% heading in 💰 See what a move from 5.99% to 7.99% actually does to the payment on a $350,000 loanFull numbers and Dan's forecast breakdown posted at the blog: https://www.therateupdate.com/blog⏱ CHAPTERS 0:00 Intro: Oil Prices and This Week's Inflation Setup 1:20 Daily Bond Market Check 2:50 PPI and CPI Forecast: What Most People Miss 6:40 What It Means for Your Payment 8:30 Fed Meeting Next Week: The Odds🏠 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 toolsWHERE 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-assistanceTOP 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/contactFOLLOW THE RATE UPDATEYouTube: https://www.youtube.com/@TheRateUpdatewithDanFrio Instagram: https://instagram.com/therateupdate TikTok: https://tiktok.com/@therateupdateIf this helped you understand mortgage rates a little better, subscribe and turn on notifications so you catch the next update.DISCLAIMERDan 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.

Mortgage rates are sitting at 6.9% and headed toward 7% this week as PPI, CPI, and the Fed's rate decision all hit. Dan Frio breaks down why this week's inflation data could push rates higher, what an 8-day-out Fed meeting with 60% hike odds means for you, and how oil pushing toward $100 a barrel factors in.Full breakdown and rate tracking on the blog: https://www.therateupdate.com/blog📊 THIS EPISODE 📉 Mortgage rates: currently 6.9%, on pace toward 7% 🏛️ Fed meets in 8 days: 60% odds of a rate hike 🔥 Dan's forecast: PPI, CPI, and core inflation all coming in hotter than Wall Street expects 🛢️ Oil up $2 to $93/barrel, nearing $100 on Brent: why that matters for your rate 💰 Payment math: what a 0.5% rate move costs on a $400,000 loan, and how much buying power you lose as rates climb 🏠 Why Dan is telling clients under contract to lock in now⏱️ CHAPTERS 00:00 Mortgage Rate Forecast: Why This Week Isn't Good News 01:35 Fed Meeting in 8 Days: What This Week's Data Decides 04:20 Dan's Inflation Forecast vs Wall Street: PPI and CPI Preview 07:45 What Rising Rates Do to Your Payment and Buying Power 11:00 Oil Near $100 a Barrel: What It Means for Your Mortgage Rate🏠 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 toolsWHERE 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-assistanceTOP 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/contactFOLLOW THE RATE UPDATEYouTube: https://www.youtube.com/@TheRateUpdatewithDanFrio Instagram: https://instagram.com/therateupdate TikTok: https://tiktok.com/@therateupdateIf this helped you understand mortgage rates a little better, subscribe and turn on notifications so you catch the next update.DISCLAIMERDan 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.

Mortgage rates today are reacting to a blowout jobs report that just shifted the odds of a Federal Reserve rate hike in 12 days, with CPI and PPI inflation data still to come next week. Housing market news and Federal Reserve analysis, explained in plain English by a licensed mortgage loan officer with 38 years in the business. No hype. Just real data and practical next steps.🏠 APPLY NOW — One Application, 30+ Lenders Compete https://solvitmortgage.my1003app.com/2753203/register?lang=en📅 REQUEST A FREE CONSULTATION https://go.oncehub.com/solvitmortgagealan📉 JOIN RATE WATCH — FREE Rate Monitoring https://solvitmortgage.com/resources/todays-ratesWelcome 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.IN TODAY'S UPDATE 📊 August jobs report jumps to 162,000, blowing past the 55,000 forecast, and last month's negative print gets revised to positive 20,000 🏦 Fed governor Christopher Waller says the rate decision comes down to this jobs report and next week's CPI and PPI inflation data 📉 Mortgage bonds gap down on the jobs news, pushing rates higher heading into the Fed's meeting in 12 days 📈 Average hourly earnings ease to 3.1% while unemployment holds steady at 4.1% 🛢️ Oil holds near $90 WTI and $95 Brent, still a key signal for where inflation goes next 🏠 What today's data means if you're under contract, buying soon, or waiting on the sidelinesGet the full breakdown on the blog: https://therateupdate.com/blogWHAT 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 🎥 Live market updates and housing commentaryWhether you are buying your first home, refinancing your current mortgage, comparing loan options, or just trying to understand why mortgage rates are moving today, this channel is built to help you make better decisions.CHAPTERS 00:00 Why Today's Jobs Report Just Moved Mortgage Rates 01:30 Fed's Waller: It Comes Down to Two Reports 03:30 Breaking Down the August Jobs Numbers 05:45 Mortgage Bond Market Reaction and the Rate Gap 07:15 Next Week's Inflation Data: CPI and PPI Preview 09:00 Oil, Stocks, and What Dan Is Telling Clients NowTOP RESOURCES 📊 TRU Mortgage Command Center — Live Rate Dashboard https://command.therateupdate.com/🧮 Mortgage Calculators & Tools https://stan.store/TRU-Foundations🔗 Guides, Calculators & Answers https://solvitmortgage.com/resources✉️ Ask Dan a Question https://www.therateupdate.com/contactFOLLOW THE RATE UPDATE YouTube: https://www.youtube.com/@TheRateUpdatewithDanFrio Instagram: https://instagram.com/therateupdate TikTok: https://tiktok.com/@therateupdateIf this helped you understand mortgage rates a little better, subscribe and turn on notifications so you catch the next rate update.#MortgageRates #HousingMarket #Refinance #FirstTimeHomeBuyer #FederalReserve #JobsReport #InflationDISCLAIMER Dan Frio | NMLS #246527 | TRU Mortgage Team / PBT Bancorp | NMLS #257781 | Equal Housing Lender 524 Main St, Hazard, KY 41701 NMLS Consumer Access: https://www.nmlsconsumeraccess.org/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, TRU Mortgage Team, 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 jumped from 5.9% to 6.9% since the Iranian conflict began, and I break down the Fed data, jobs report, and oil prices driving the move, plus what it costs your purchasing power.📊 Mortgage rates rose from 5.9% to 6.9% since the Iranian conflict began💰 See the exact payment and purchasing power difference on a $434,000 home📈 Breaking down GDP, jobs data, and national debt driving mortgage bond yields🛢️ Oil prices, initial jobless claims, and today's stock market moves🏦 Fed rate hike odds drop to 54% as Chairman Waller points to next week's CPI🔧 Tools to track your rate, compare lenders, and get pre-approved📖 Read the full breakdown on the blog: https://therateupdate.com/blog🏠 APPLY NOW — One Application, 30+ Lenders Competehttps://solvitmortgage.my1003app.com/2753203/register?lang=en📅 REQUEST A FREE CONSULTATIONhttps://go.oncehub.com/solvitmortgagealan📉 JOIN RATE WATCH — FREE Rate Monitoringhttps://solvitmortgage.com/resources/todays-ratesWelcome 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🎥 Live market updates and housing commentaryWhether you are buying your first home, refinancing your current mortgage, comparing loan options, or just trying to understand why mortgage rates are moving today, this channel is built to help you make better decisions.CHAPTERS00:00 Why Mortgage Rates Jumped Without a Fed Meeting01:45 The Mortgage Bond Chart Dan Watches Every Day03:15 Your Payment and Purchasing Power: The Real Numbers05:30 What's Really Driving Rates Higher: GDP, Jobs, and Debt07:30 Today's Data, Fed Odds, and Tools to Track Your RateTOP RESOURCES📊 TRU Mortgage Command Center — Live Rate Dashboardhttps://command.therateupdate.com/🧮 Mortgage Calculators & Toolshttps://stan.store/TRU-Foundations🔗 Guides, Calculators & Answershttps://solvitmortgage.com/resources✉️ Ask Dan a Questionhttps://www.therateupdate.com/contactFOLLOW THE RATE UPDATEYouTube: https://www.youtube.com/@TheRateUpdatewithDanFrioInstagram: https://instagram.com/therateupdateTikTok: https://tiktok.com/@therateupdateIf this helped you understand mortgage rates a little better, subscribe and turn on notifications so you catch the next rate update.#MortgageRates #HousingMarket #Refinance #FirstTimeHomeBuyer #FederalReserveDISCLAIMERDan Frio | NMLS #246527 | TRU Mortgage Team / PBT Bancorp | NMLS #257781 | Equal Housing Lender524 Main St, Hazard, KY 41701NMLS Consumer Access: https://www.nmlsconsumeraccess.org/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, TRU Mortgage Team, 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 jumped toward 7% this week while a weak jobs report just moved the bond market. I break down why oil prices, inflation, and today's Fed data are pushing your rate around, plus how much house you can actually afford right now.📉 Why mortgage rates are pushing back toward 7% 🏦 How the Federal Reserve actually sets your rate (it's not what most people think) 🛢️ How oil prices drive inflation, and inflation drives your mortgage rate 📊 The jobs report data that just made the bond market jump 🏠 How much house you can afford at 7% versus 3.5%, and why it's a $152,000 difference 💰 Why $35 trillion in homeowner equity is keeping this market flat, not crashing🏠 APPLY NOW — One Application, 30+ Lenders Compete https://solvitmortgage.my1003app.com/2753203/register?lang=en📅 REQUEST A FREE CONSULTATION https://go.oncehub.com/solvitmortgagealan📉 JOIN RATE WATCH — FREE Rate Monitoring https://solvitmortgage.com/resources/todays-ratesWelcome 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 🎥 Live market updates and housing commentaryWhether you are buying your first home, refinancing your current mortgage, comparing loan options, or just trying to understand why mortgage rates are moving today, this channel is built to help you make better decisions.CHAPTERS 00:00 Intro: Mortgage Rates Near 7% and $35 Trillion in Equity 01:30 How the Federal Reserve Actually Sets Your Rate 03:15 Oil Prices, Inflation, and Today's Market Reaction 05:00 The Jobs Report That Just Moved the Bond Market 06:45 How Much House You Can Afford at 7% (And Why the Market Is Staying Flat)TOP RESOURCES 📊 TRU Mortgage Command Center — Live Rate Dashboard https://command.therateupdate.com/🧮 Mortgage Calculators & Tools https://stan.store/TRU-Foundations🔗 Guides, Calculators & Answers https://solvitmortgage.com/resources✉️ Ask Dan a Question https://www.therateupdate.com/contactFOLLOW THE RATE UPDATE YouTube: https://www.youtube.com/@TheRateUpdatewithDanFrio Instagram: https://instagram.com/therateupdate TikTok: https://tiktok.com/@therateupdateIf this helped you understand mortgage rates a little better, subscribe and turn on notifications so you catch the next rate update.#MortgageRates #HousingMarket #Refinance #FirstTimeHomeBuyer #FederalReserveDISCLAIMER Dan Frio | NMLS #246527 | TRU Mortgage Team / PBT Bancorp | NMLS #257781 | Equal Housing Lender 524 Main St, Hazard, KY 41701 NMLS Consumer Access: https://www.nmlsconsumeraccess.org/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, TRU Mortgage Team, 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 climbing toward 7%, not the 5.99% many expected. I break down why: oil prices, global bond yields, AI debt, and the Fed's next move, plus what it means for your monthly payment.📉 Why falling bond prices mean rising mortgage rates 🛢️ Oil above $90 a barrel and why that's inflationary 🌍 Global bond yields from Australia to the UK to Japan, and how they pull on your rate 🤖 How AI companies issuing their own bonds are adding to the debt pushing rates up 🏦 The Fed meets in 15 days, with a 65% chance of another rate hike 💵 What this actually costs you: more per month on a $300K, $400K, or $500K homeGet the full breakdown and charts on the blog: therateupdate.com/blog⏱️ Chapters 0:00 Intro: Why Rates Are Near 7% Instead of 5.99% 1:20 Bond Prices, Yields, and What Red Numbers Mean 3:15 Global Debt and the AI Bond Boom 6:00 What Rising Rates Do to Your Payment 8:00 Fed Meeting in 15 Days: What's NextWant to lock in before rates move again? Get pre-approved: command.therateupdate.com Book a free consultation with me: [Calendly link] Have questions? Reach out here: therateupdate.com/contact🔧 Resources mentioned in this video: RateWatch (track your rate and payment for free): rw2.therateupdate.com DIY Mortgage tool: command.therateupdate.com TRU Debt Optimizer: debtrelief.therateupdate.com📱 Follow me for daily rate updates: YouTube | Instagram | TikTokDan Frio NMLS #246527 | TRU Mortgage Team, PBT Bancorp NMLS #257781. Equal Housing Opportunity. This video is for informational purposes only and does not guarantee loan approval or specific rates.#MortgageRates #Homebuyers #Realtors #FederalReserve #TenYearTreasury #HousingMarket #RateWatch

Mortgage rates today are under pressure after Brent crude broke $90 a barrel, and the Federal Reserve just put a rate HIKE back on the table. Here is what moved, what it costs, and what I am telling my clients to do about it.Updated for Monday, August 31, 2026 — Mortgage bonds opened down 15 on oil and Middle East conflict, pushing mortgage rates toward 6.85% and possibly 7%. PCE inflation sits at 3.7% against the Federal Reserve's 2% target, with 54% of the basket running over 3% versus 32% before the pandemic. Inflation has now been above target for 64 straight months. Meanwhile 23,000 jobs were lost in July and May–June revisions erased another 103,000 — and the Fed said plainly it is focused on inflation, not jobs.Here is the part almost nobody explains to homebuyers: the Federal Reserve can raise rates and your mortgage rate can still go down. The Fed sets short-term interbank lending. Mortgage rates track the 10-Year Treasury. If bond investors believe a hike will actually control inflation, long-term yields can fall even while the funds rate rises. That mechanism is walked through at 06:40.What I am telling clients: if you are under contract, lock your mortgage rate. I cannot price around another drone strike. If you are not under contract yet, watch two things — oil and inflation. Oil back under $70 and holding is when the Federal Reserve gets room to cut and mortgage rates can finally come down. Oil at $120 is a very different conversation for the housing market.CHAPTERS00:00 Oil Just Broke $90 — Here's Why That Hits Your Rate00:39 The Chart I Check Every Morning Before Quoting a Rate01:21 What the Federal Reserve Actually Watches01:46 Inflation at 3.7% When the Target Is 2%01:59 The Data This Week That Can Move Mortgage Rates02:40 103,000 Jobs Gone — And the Fed Says It Doesn't Care04:06 The Jackson Hole Speech, Translated06:20 The Odds of a Hike Just Changed06:40 Why a Fed Hike Doesn't Have to Raise Your Mortgage Rate08:31 Lock or Float: What I'm Telling Clients Right Now10:04 Rate Watch, Loan Estimate Review and DIY Mortgage11:16 What to Watch NextNEXT STEPS🏠 Get Pre-Approved → https://257781.my1003app.com/246527/register📅 FREE CONSULTATION | Book a Call → https://go.oncehub.com/solvitmortgagealan✉️ Ask Dan → https://www.therateupdate.com/contactTOP RESOURCES📉 Rate Watch — Free Mortgage Rate & Payment Monitoring → https://rw2.therateupdate.com/🏠 TRU Mortgage Command Center — Live Rate Dashboard → https://command.therateupdate.com/💳 TRU Debt Optimizer → https://debtrelief.therateupdate.com/🧮 Mortgage Calculators & Tools → https://stan.store/TRU-Foundations🔗 Guides, Calculators & Answers → https://solvitmortgage.com/resourcesWelcome to The Rate Update with Dan Frio — mortgage rates, housing market data, and straight answers for homebuyers, homeowners and Realtors, from a licensed mortgage loan officer with 38 years in the business.- Daily mortgage rate updates and what actually drives them- Housing market news and home price trends- Inflation, CPI and Federal Reserve analysis- 10-Year Treasury and mortgage bond movement- First-time homebuyer education and refinance breakdowns- FHA, VA, conventional, HomeReady and reverse mortgagesWhether you are buying your first home, refinancing your current mortgage, comparing loan options, or just trying to understand why mortgage rates are moving today, this channel is built to help you make a better decision.WORK WITH MEOne application. One credit pull. 30+ lenders compared. You see the real number, not a pitch.FOLLOW THE RATE UPDATEYouTube: https://www.youtube.com/@TheRateUpdatewithDanFrioInstagram: https://instagram.com/therateupdateTikTok: https://tiktok.com/@therateupdateIf this helped you understand mortgage rates a little better, subscribe and turn on notifications so you catch the next rate update.#MortgageRates #HousingMarket #FederalReserve #FirstTimeHomeBuyer #RefinanceDan Frio | NMLS #246527 | TRU Mortgage Team / PBT Bancorp | NMLS #257781 | Equal Housing Lender524 Main St, Hazard, KY 41701NMLS Consumer Access: https://www.nmlsconsumeraccess.org/This channel is for education and commentary only. All opinions are my own and do not represent PBT Bancorp, TRU Mortgage Team, or any financial institution I may be employed by or affiliated with. Nothing here 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 are moving as Federal Reserve Chairman Kevin Warsh speaks live from Jackson Hole. In this episode I explain what Jackson Hole is, why Warsh's comments move mortgage rates, and what this week's inflation, jobs, and GDP data mean for homebuyers, homeowners, and realtors.In this episode:- What Jackson Hole is and why Fed Chairman Kevin Warsh's speech can move your mortgage rate today- This week's data recap: consumer confidence, new home sales, PCE inflation, the GDP revision, and jobless claims- Why oil prices and the Iran conflict are directly tied to mortgage rate swings- What's coming next week: JOLTS job openings, ADP payrolls, jobless claims, and the government jobs report- Fed meeting odds for the next meeting in 19 days, plus the rate forecast into next year- The two things I'm telling homebuyers and realtors to watch right nowMore rate breakdowns and housing market updates on the blog: https://solvitmortgage.com/resourcesCHAPTERS0:00 What Is Jackson Hole and Why It Moves Mortgage Rates1:13 Today's Rate Chart and Market Snapshot2:44 This Week's Economic Data: Inflation, GDP, Jobless Claims4:05 Next Week's Calendar: Jobs Report, JOLTS, ADP Payrolls5:18 Fed Meeting Odds, Oil, and What Homebuyers and Realtors Should Do NowAPPLY NOW, One Application, 30+ Lenders Competehttps://solvitmortgage.my1003app.com/2753203/register?lang=enREQUEST A FREE CONSULTATIONhttps://go.oncehub.com/solvitmortgagealanJOIN RATE WATCH, FREE Rate Monitoringhttps://solvitmortgage.com/resources/todays-ratesTOP RESOURCESTRU Mortgage Command Center, Live Rate Dashboardhttps://command.therateupdate.com/Mortgage Calculators and Toolshttps://stan.store/TRU-FoundationsGuides, Calculators and Answershttps://solvitmortgage.com/resourcesAsk Dan a Questionhttps://www.therateupdate.com/contactFOLLOW THE RATE UPDATEYouTube: https://www.youtube.com/@TheRateUpdatewithDanFrioInstagram: https://instagram.com/therateupdateTikTok: https://tiktok.com/@therateupdateIf this helped you understand what's happening with mortgage rates, subscribe and turn on notifications so you catch the next update.#MortgageRates #JacksonHole #FederalReserve #HousingMarket #RefinanceDISCLAIMERDan Frio | NMLS #246527 | TRU Mortgage Team / PBT Bancorp | NMLS #257781 | Equal Housing Lender524 Main St, Hazard, KY 41701NMLS Consumer Access: https://www.nmlsconsumeraccess.org/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, TRU Mortgage Team, 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 reacting this week to a surprising jobs report, sticky inflation data, and the Federal Reserve's Jackson Hole meeting. In this video I break down what jobless claims, PCE inflation, and rising oil prices mean for mortgage rates, home affordability, and what the Fed does next. Homebuyers, homeowners, and Realtors, this is the week's mortgage rate update. Here's what I cover: • Why a stronger than expected jobs report is actually bad news for mortgage rates • How bond prices and yields actually work, explained simply • The Fed's two big concerns right now: inflation still at 3.7% and unemployment near full employment • Jobless claims and continued claims data, and what it tells us about the labor market • Why oil sitting in the 80s is keeping inflation elevated, and what has to happen for rates to drop • How Fed rate cut expectations have completely flipped ahead of Jackson Hole • What I'm telling my own clients right now about locking in Read more mortgage rate breakdowns on my blog: https://therateupdate.com/blog CHAPTERS 0:00 Jobs Report Shakes Up Mortgage Rate Expectations 1:20 How Bond Prices and Yields Actually Work 3:45 The Fed's Two Mandates: Inflation and Jobs 6:10 Jackson Hole and This Week's Jobless Claims 8:40 Oil Prices, Earnings, and What the Fed Does Next 🏠 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 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 | TRU Mortgage Team / PBT Bancorp NMLS #257781 | Equal Housing Lender. 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, TRU Mortgage Team, 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, 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 #FederalReserve #JacksonHole #Inflation #Homebuyers #Realtors #HousingMarket #OilPrices #TheRateUpdate

Mortgage rates today are being shaped by the Fed's PCE inflation report, the bond market, and a major shift in how the government is handling $40 trillion in national debt. Homebuyers and realtors, here's what it means for rates this week.In this video I break down: Today's PCE inflation report, which came in at 3.3% year over year, still double the Fed's 2% target How to read the daily bond market chart that actually moves mortgage rates Durable goods orders, GDP, personal income and spending, jobs data, and home price appreciation numbers What the Fed is expected to do at its meeting in 21 days The Treasury's plan to swap long term debt for short term debt, and how it could affect future rates Why oil prices are still the biggest wildcard for where rates go from here Read more on the blog: https://therateupdate.com/blog0:00 Today's PCE Inflation Report and What It Means for Rates 2:10 Reading the Daily Bond Market Chart 4:20 PCE, GDP, Jobs, and Home Price Data Breakdown 6:45 Fed Meeting Odds and the Government's Debt Plan 9:00 What to Watch Next: Oil Prices and Your Next Move🏠 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 Me https://www.therateupdate.com/contactTOP 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-FoundationsFOLLOW THE RATE UPDATEYouTube: https://www.youtube.com/@TheRateUpdatewithDanFrio Instagram: https://instagram.com/therateupdate TikTok: https://tiktok.com/@therateupdateDISCLAIMERI am a licensed mortgage loan officer in all 50 states and Puerto Rico. NMLS #246527 | TRU Mortgage Team / PBT Bancorp NMLS #257781 | Equal Housing Lender.This video is for education and commentary only and covers mortgage rates, real estate, housing, inflation, the Federal Reserve, and financial markets. All opinions are my own and do not represent PBT Bancorp, TRU Mortgage Team, or any financial institution I am employed by or affiliated with. Nothing in this video 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 #Homebuyers #FederalReserve #Inflation #Realtors #HousingMarket #BondMarket #Refinance #Economy

Mortgage rates moved today on new jobs data, inflation numbers, and home price reports. In this episode I break down today's ADP jobs report, the latest PCE inflation reading, S&P Case Shiller home price data, and what the Federal Reserve is likely to do at its meeting in 22 days. I also explain the Treasury's plan to refinance long term debt into short term bills and what oil falling 3% today means for mortgage rates and the bond market.WHAT'S IN TODAY'S SHOW📉 ADP jobs report shows hiring climbing to almost 12,000 for the week📊 PCE inflation still running at 3.7%, above the Fed's 2% target🏡 Case Shiller home prices up over 2% year over year in June🛢️ Oil prices fall 3%, sending stocks higher📈 Bond market up 21 ticks today, meaning mortgage rates are improving🏦 Federal Reserve meets in 22 days, odds of a rate hike drop to 38%💰 Treasury plans to refinance long term debt into short term bills to cut interest costsRead the full breakdown on the blog: https://therateupdate.com/blogCHAPTERS0:00 Intro: Where mortgage rates stand today1:15 Bond market chart and today's rate movement3:00 Oil prices fall 3%, markets react5:00 Jobs report, building permits, and home prices7:30 PCE inflation and the Fed's next move in 22 days9:30 Treasury's debt refinancing plan and what it means for rates🏠 Ready to Buy or Refinance? Get Pre-Approvedhttps://257781.my1003app.com/246527/register📅 Want to Talk Through Your Options? Schedule a Consultationhttps://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05✉️ Have Questions? Contact / Ask Danhttps://www.therateupdate.com/contactWelcome 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.My goal is simple: No hype. Just real data, clear explanations, and practical next steps.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🏠 Mortgage rate updates📉 Housing market news📊 Inflation and Federal Reserve analysis📈 10-Year Treasury and bond market movement💰 Refinance opportunities🏡 Homebuyer education🔁 RateWatch and mortgage monitoring tools🧮 Mortgage calculators and payment tools🎥 Live market updates and housing commentaryWhether you are buying your first home, refinancing your current mortgage, comparing loan options, or just trying to understand why rates are moving, this channel is built to help you make better decisions.TOP RESOURCES📉 Track Mortgage Rates Automaticallyhttps://rw2.therateupdate.com/🏠 TRU Mortgage Command Centerhttps://command.therateupdate.com/💳 TRU Debt Optimizerhttps://debtrelief.therateupdate.com/🧮 Mortgage Calculators & Toolshttps://stan.store/TRU-FoundationsFOLLOW THE RATE UPDATEYouTube: https://www.youtube.com/@TheRateUpdatewithDanFrioInstagram: https://instagram.com/therateupdateTikTok: https://tiktok.com/@therateupdateDISCLAIMERDan Frio is a licensed mortgage loan officer in all 50 states and Puerto Rico. NMLS #246527 | TRU Mortgage Team / PBT Bancorp NMLS #257781 | Equal Housing Lender.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, TRU Mortgage Team, 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, 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 #Homebuyers #Realtors #Inflation

Mortgage rates are in play this week as the Federal Reserve and the U.S. Treasury both step in to try to bring rates down, and I'm breaking down exactly what that means for you. If you're a homebuyer, homeowner, or realtor trying to figure out where mortgage rates are headed, this is the episode to watch before the week's economic data starts rolling in.In today's show, I cover:• The Treasury's new bond buying plan (what some are calling "QE light") and how it's designed to push mortgage rates lower • The difference between the federal funds rate and the 10 year Treasury, and why only one of them actually controls your mortgage rate • This week's full economic calendar, including ADP jobs, Case Shiller home prices, PCE inflation, jobless claims, and the Jackson Hole symposium • Why oil prices are the number one thing to watch right now, and what happens to rates if the Iran conflict drags on or resolves • How to track your own rate and payment automatically with our free RateWatch toolRead the full breakdown on the blog: https://therateupdate.com/blogCHAPTERS 0:00 The Treasury Is Buying Its Own Debt 1:47 What Actually Controls Your Mortgage Rate 3:35 This Week's Economic Calendar 6:10 Why Oil Is the Number to Watch 8:05 RateWatch and What to Do Next🏠 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/contactWelcome 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.My goal is simple: No hype. Just real data, clear explanations, and practical next steps.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🏠 Mortgage rate updates 📉 Housing market news 📊 Inflation and Federal Reserve analysis 📈 10-Year Treasury and bond market movement 💰 Refinance opportunities 🏡 Homebuyer education 🔁 RateWatch and mortgage monitoring tools 🧮 Mortgage calculators and payment tools 🎥 Live market updates and housing commentaryWhether you are buying your first home, refinancing your current mortgage, comparing loan options, or just trying to understand why rates are moving, this channel is built to help you make better decisions.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-FoundationsFOLLOW THE RATE UPDATEYouTube: https://www.youtube.com/@TheRateUpdatewithDanFrio Instagram: https://instagram.com/therateupdate TikTok: https://tiktok.com/@therateupdateDISCLAIMERDan Frio is a licensed mortgage loan officer in all 50 states and Puerto Rico. NMLS #246527 | TRU Mortgage Team / PBT Bancorp NMLS #257781 | Equal Housing Lender.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, TRU Mortgage Team, 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, 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 #Homebuyers #FederalReserve #HousingMarket #RealEstate

Mortgage rates are about to move — and today I break down exactly what the Federal Reserve is watching before they do. The August 21, 2026 Rate Update for homebuyers and Realtors: PCE vs CPI, jobs and claims, where mortgage rates sit now, and the $100 billion in tariff refunds that went to corporations instead of consumers.CHAPTERS0:00 What This Week's Data Told the Fed1:15 PCE vs CPI — The Inflation Number That Sets Mortgage Rates2:40 Jobs and Jobless Claims: The Fed's Dual Mandate4:10 The Reports That Can Move Mortgage Rates From Here5:45 Where Mortgage Rates Sit Right Now7:00 $100 Billion in Tariff Refunds: Who Actually Got Paid8:30 Target, Amazon, Ford — Refunds Booked Into Earnings9:50 Why Consumers Aren't Getting a Tariff Refund Check10:50 What Homebuyers and Realtors Should Do NowMORTGAGE RATE UPDATE — FRIDAY, AUGUST 21, 2026This week's economic data gave the Federal Reserve exactly what it watches most, and I walk through it the way the Fed actually reads it: PCE inflation over headline CPI, the jobs and jobless claims trend over any single monthly print, and the drivers underneath both — oil, shelter, and services. Then we look at what's ahead on the economic calendar and what could realistically push mortgage rates higher or lower.If you're buying a home, refinancing, or advising clients as a real estate agent, this hits your monthly payment directly. Mortgage rates follow the bond market and the 10-Year Treasury, not the Fed funds headlines — and understanding that difference is the biggest edge a homebuyer has right now.In the second half: roughly $100 billion of the $166 billion in struck-down IEEPA tariffs has been certified and sent out — to importers and corporations, not the consumers who paid it at the register. Target booked $994 million in tariff refunds and $1.65 in earnings per share while confirming it won't issue customer refunds. Amazon collected about $640 million. Ford recorded a $1.3 billion one-time tariff benefit. FedEx and UPS are among the few passing money back.Both halves land on the same place: your buying power.NEXT STEPS🏠 Ready to Buy or Refinance? Get Pre-Approved→ https://257781.my1003app.com/246527/register

Mortgage rates and inflation data are both in play today as the Treasury steps into the bond market to prop up prices. Dan Frio breaks down why bond buybacks matter for mortgage rates, what today's jobs report means, and what the Federal Reserve is likely to do next in 27 days.In this episode:• Why the Treasury stepped in yesterday to buy back bonds and prop up prices • What happens to mortgage rates when bond supply floods the market (the 2008 comparison) • $5.2 trillion in Treasury debt issued this year, and why that matters for your rate • Today's jobs report and Philly Fed manufacturing numbers, explained • The odds the Federal Reserve holds rates steady at the next meeting • What homebuyers, homeowners, and realtors should watch nextRead the full breakdown on the blog: https://therateupdate.com/blogCHAPTERS 0:00 Treasury Steps Into the Bond Market 2:00 Why Too Many Bonds Push Mortgage Rates Up 4:00 Jobs Report and Manufacturing Numbers 6:00 Federal Reserve Rate Odds for the Next Meeting 8:00 What to Watch Next for Your Mortgage Rate🏠 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/contactWelcome 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.My goal is simple: no hype, just real data, clear explanations, and practical next steps.WHAT YOU'LL FIND ON THIS CHANNEL 🏠 Mortgage rate updates 📉 Housing market news 📊 Inflation and Federal Reserve analysis 📈 10-Year Treasury and bond market movement 💰 Refinance opportunities 🏡 Homebuyer education 🔁 RateWatch and mortgage monitoring tools 🧮 Mortgage calculators and payment tools 🎥 Live market updates and housing commentaryTOP 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-FoundationsFOLLOW THE RATE UPDATE YouTube: https://www.youtube.com/@TheRateUpdatewithDanFrio Instagram: https://instagram.com/therateupdate TikTok: https://tiktok.com/@therateupdateDISCLAIMER Dan Frio is a licensed mortgage loan officer in all 50 states and Puerto Rico. NMLS #246527 | TRU Mortgage Team / PBT Bancorp NMLS #257781 | Equal Housing Lender.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, TRU Mortgage Team, 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, 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 #BondMarket #Refinance

Pending home sales fell 2.3% in July with declines in every region, the lowest level since January. I break down what that means for mortgage rates, oil prices, and the Fed heading into today's FOMC minutes.In today's episode I cover: 🏠 Pending home sales drop 2.3% month over month, down 2.2% year over year, per the National Association of Realtors 📊 Why today's mortgage bond (MBS) chart is up 14 ticks, and what that means for your rate 🛢️ Oil prices ticking between 85 and 90 dollars a barrel and why that matters for inflation 🏦 What today's FOMC meeting minutes could reveal about the Fed's next move 📈 Stock market record highs, earnings season, and why I'm locking clients in right now instead of waitingFull breakdown and daily updates: https://therateupdate.com/blog0:00 Pending Home Sales Drop 2.3% in July 1:45 Today's Mortgage Bond Chart and What It Means 3:30 Oil Prices, Inflation, and the FOMC Meeting 5:40 Stock Market Records and Earnings Season 7:15 Where Mortgage Rates Are Headed Next🏠 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/contactWelcome 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.My goal is simple: No hype. Just real data, clear explanations, and practical next steps.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🏠 Mortgage rate updates 📉 Housing market news 📊 Inflation and Federal Reserve analysis 📈 10-Year Treasury and bond market movement 💰 Refinance opportunities 🏡 Homebuyer education 🔁 RateWatch and mortgage monitoring tools 🧮 Mortgage calculators and payment tools 🎥 Live market updates and housing commentaryWhether you are buying your first home, refinancing your current mortgage, comparing loan options, or just trying to understand why rates are moving, this channel is built to help you make better decisions.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-FoundationsFOLLOW THE RATE UPDATEYouTube: https://www.youtube.com/@TheRateUpdatewithDanFrio Instagram: https://instagram.com/therateupdate TikTok: https://tiktok.com/@therateupdateDISCLAIMERDan Frio is a licensed mortgage loan officer in all 50 states and Puerto Rico. NMLS #246527 | TRU Mortgage Team / PBT Bancorp NMLS #257781 | Equal Housing Lender.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, TRU Mortgage Team, 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, 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 #PendingHomeSales #Homebuyers #Realtors

Mortgage rates are moving today as the 30 year Treasury hits a 19 year high, oil prices climb, and new jobs and housing data shift the Federal Reserve's next move on interest rates.In this episode of The Rate Update, Dan Frio breaks down:Why the 30 year Treasury yield just hit a 19 year high and why that number is not your mortgage rateThe real bond that drives mortgage pricing and how to read itWhy oil prices are the single biggest driver of inflation and mortgage rates right nowHow tariffs, government spending, and a Supreme Court ruling are adding pressure to ratesToday's jobs report, building permits, housing starts, and import and export pricesWhat the Federal Reserve is watching ahead of its next meetingWhat Dan is telling his own clients to do right now if they are buying, building, or already own a homeReady to Buy or Refinance? Get Pre-Approvedhttps://257781.my1003app.com/246527/registerWant to Talk Through Your Options? Schedule a Consultationhttps://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05Have Questions? Contact / Ask Danhttps://www.therateupdate.com/contactRead the full breakdown on the blog: https://therateupdate.com/blogCHAPTERS0:00 30 Year Treasury Hits a 19 Year High1:35 Why Rates Are High: Oil, Tariffs & Government Spending3:20 How Oil Drives Inflation & the Fed's Next Move5:10 Today's Data: Jobs, Housing Starts & Import Prices7:20 What Buyers, Builders & Homeowners Should Do NowTOP RESOURCESTrack Mortgage Rates Automaticallyhttps://rw2.therateupdate.com/TRU Mortgage Command Centerhttps://command.therateupdate.com/TRU Debt Optimizerhttps://debtrelief.therateupdate.com/Mortgage Calculators & Toolshttps://stan.store/TRU-FoundationsFOLLOW THE RATE UPDATEYouTube: https://www.youtube.com/@TheRateUpdatewithDanFrioInstagram: https://instagram.com/therateupdateTikTok: https://tiktok.com/@therateupdateDISCLAIMERDan Frio is a licensed mortgage loan officer in all 50 states and Puerto Rico. NMLS #246527 | TRU Mortgage Team / PBT Bancorp NMLS #257781 | Equal Housing Lender.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, TRU Mortgage Team, 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, 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 #Homebuyers #Refinance

Is the housing market crashing? Mortgage rates, home prices in Austin, Memphis, Tampa, San Francisco, and San Antonio, plus this week's CPI, jobs report, and Federal Reserve outlook, all explained.The headlines say the housing market is crashing. So today I'm putting that to the test with the real numbers. Nationally, home listing prices are down 2.4%, but median home prices are actually up 3.2%. I break down which markets are falling the hardest (Austin, Memphis, Tampa, San Francisco, San Antonio) and which ones are still climbing (Providence, Indianapolis, Hartford, Virginia Beach, Chicago), then explain how the mortgage bond market, this week's CPI report, and the jobs numbers are shaping where mortgage rates go next.If you're sitting on the sidelines waiting for the crash, this is the video where I tell you exactly what to check before you make that call: your credit score, your down payment options, and what mortgage payment you actually qualify for.For more market breakdowns and data, check out the blog: https://www.therateupdate.com/blog🏠 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/contactCHAPTERS 0:00 Is the Housing Market Really Crashing? 1:45 Home Prices by City: Winners and Losers 4:20 Mortgage Bonds, CPI, and Jobs Report 6:50 Federal Reserve Outlook: Pause or Cut Rates? 9:20 What Homebuyers Should Do Right NowWelcome 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.My goal is simple: No hype. Just real data, clear explanations, and practical next steps.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🏠 Mortgage rate updates 📉 Housing market news 📊 Inflation and Federal Reserve analysis 📈 10-Year Treasury and bond market movement 💰 Refinance opportunities 🏡 Homebuyer education 🔁 RateWatch and mortgage monitoring tools 🧮 Mortgage calculators and payment tools 🎥 Live market updates and housing commentaryWhether you are buying your first home, refinancing your current mortgage, comparing loan options, or just trying to understand why rates are moving, this channel is built to help you make better decisions.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-FoundationsFOLLOW THE RATE UPDATEYouTube: https://www.youtube.com/@TheRateUpdatewithDanFrio Instagram: https://instagram.com/therateupdate TikTok: https://tiktok.com/@therateupdateDISCLAIMERDan Frio is a licensed mortgage loan officer in all 50 states and Puerto Rico. NMLS #246527 | TRU Mortgage Team / PBT Bancorp NMLS #257781 | Equal Housing Lender.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, TRU Mortgage Team, 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, 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 #Homebuyers #FederalReserve #RealEstate #CPI #JobsReport #Refinance #HomePrices #MortgageBonds

Mortgage rates are moving after a big week of data. In this video I break down the new PPI inflation report, CPI, jobless claims, oil prices, and what it all means for your mortgage rate, plus what the Federal Reserve is likely to do at its next meeting.If you're a homebuyer, homeowner, or realtor trying to figure out where mortgage rates go from here, this is exactly what I do every day for my own clients.📊 What I cover in this episode:🔹 Producer inflation (PPI) comes in flat at 0.0%, the lowest read since May 🔹 Jobless claims tick up to 209,000, the highest since early July 🔹 Consumer inflation (CPI) breakdown and why oil and energy are driving most of it 🔹 Oil prices, new Iran sanctions, and why I'm watching this closely 🔹 What the Fed is likely to do at its meeting in 33 days 🔹 The mortgage bond market chart I check every morning and how to read it📝 Read the full breakdown on my blog: https://therateupdate.com/blog⏱️ TIMESTAMPS 0:00 Today's Mortgage Rate Data and Jobless Claims 1:45 CPI and PPI Inflation Breakdown 4:10 What's Driving Inflation: Oil, Energy, and Groceries 6:30 Oil Prices, Iran Sanctions, and the Fed's Next Move 8:45 What This Means for Your Mortgage Rate🏠 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/contactWelcome 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.My goal is simple: No hype. Just real data, clear explanations, and practical next steps.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🏠 Mortgage rate updates 📉 Housing market news 📊 Inflation and Federal Reserve analysis 📈 10-Year Treasury and bond market movement 💰 Refinance opportunities 🏡 Homebuyer education 🔁 RateWatch and mortgage monitoring tools 🧮 Mortgage calculators and payment tools 🎥 Live market updates and housing commentaryWhether you are buying your first home, refinancing your current mortgage, comparing loan options, or just trying to understand why rates are moving, this channel is built to help you make better decisions.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-FoundationsFOLLOW THE RATE UPDATEYouTube: https://www.youtube.com/@TheRateUpdatewithDanFrio Instagram: https://instagram.com/therateupdate TikTok: https://tiktok.com/@therateupdateDISCLAIMERDan Frio is a licensed mortgage loan officer in all 50 states and Puerto Rico. NMLS #246527 | TRU Mortgage Team / PBT Bancorp NMLS #257781 | Equal Housing Lender.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, TRU Mortgage Team, 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, 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 #Inflation #HousingMarket #Homebuyers #Realtors #CPI #PPI #MortgageRateUpdate #RealEstate

🏠 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/contactMortgage rates, the CPI inflation report, jobs report, and oil prices are all moving markets this week, and I'm breaking down exactly what it means for your mortgage rate. I'll cover where the Federal Reserve stands on rate hikes, why oil is quietly driving the entire mortgage bond market right now, and what today's inflation and jobs numbers mean if you're a homebuyer, realtor, or homeowner trying to time your move.WHAT WE COVER IN THIS EPISODE 📊 CPI and core inflation numbers, explained in plain English 🏭 PPI producer inflation and what it signals for future rate moves 🛢️ Why oil prices are driving inflation and mortgage rates right now 💼 This week's jobs report and what a weak labor market means for rates 🏦 The Federal Reserve's updated rate hike odds and next meeting outlook 📈 How today's mortgage bond market move affects your rate todayRead more mortgage and housing market breakdowns on the blog: https://solvitmortgage.com/blogCHAPTERS 0:00 Today's Mortgage Bond Market Move 1:30 CPI Inflation Report Breakdown 3:45 PPI, Oil Prices, and the Real Inflation Story 6:00 Jobs Report and Federal Reserve Rate Odds 8:15 What This Means for Homebuyers and RealtorsTOP 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-FoundationsFOLLOW THE RATE UPDATE YouTube: https://www.youtube.com/@TheRateUpdatewithDanFrio Instagram: https://instagram.com/therateupdate TikTok: https://tiktok.com/@therateupdate#MortgageRates #FederalReserve #CPIReport #Homebuyers #HousingMarket #Inflation #MortgageBonds #RealEstate

CPI came in right on point today, cooling core inflation to 2.5% year over year. Here's what today's inflation report means for mortgage rates, homebuyers, refinance timing, and where rates could head by the end of the day.📚 Read More on the Blog: https://therateupdate.com/blogCHAPTERS 0:00 Today's Economic Calendar & Mortgage Bond Chart 0:55 CPI Report Breakdown: Core vs Headline Inflation 2:50 Jobs Report, GDP, and What the Fed Is Watching 5:15 Oil Prices and the Risk to Mortgage Rates 7:25 Today's Mortgage Rate Forecast & What's Next🏠 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/contactWelcome 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.My goal is simple: No hype. Just real data, clear explanations, and practical next steps.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🏠 Mortgage rate updates 📉 Housing market news 📊 Inflation and Federal Reserve analysis 📈 10-Year Treasury and bond market movement 💰 Refinance opportunities 🏡 Homebuyer education 🔁 RateWatch and mortgage monitoring tools 🧮 Mortgage calculators and payment tools 🎥 Live market updates and housing commentaryWhether you are buying your first home, refinancing your current mortgage, comparing loan options, or just trying to understand why rates are moving, this channel is built to help you make better decisions.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-FoundationsFOLLOW THE RATE UPDATEYouTube: https://www.youtube.com/@TheRateUpdatewithDanFrio Instagram: https://instagram.com/therateupdate TikTok: https://tiktok.com/@therateupdateDISCLAIMERDan Frio is a licensed mortgage loan officer in all 50 states and Puerto Rico. NMLS #246527 | TRU Mortgage Team / PBT Bancorp NMLS #257781 | Equal Housing Lender.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, TRU Mortgage Team, 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, 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 #CPIReport #Inflation #HomeBuyers #Refinance #FederalReserve #HousingMarket #MortgageRatesToday

Mortgage rates are reacting to this week's inflation data, with oil prices above $82 a barrel and a weak ADP jobs report already moving the market. Dan Frio breaks down what CPI, PPI, and the Federal Reserve's next move mean for your mortgage rate, whether you're buying, refinancing, or watching from the sidelines.Read more on the blog: https://solvitmortgage.com/blogIn this episode:📊 ADP jobs report comes in at just 11,000 added, far below the 100,000 needed to keep pace📉 Oil climbs above $82 a barrel, and why that number is the one to watch for mortgage rates🏦 CPI and PPI inflation data drop Wednesday and Thursday, both flagged as potential rate movers🏛️ Federal Reserve rate odds for the next meeting, and why they've flipped in recent weeks🏠 What homebuyers, homeowners, and realtors should do right now given where rates sit

Mortgage rates are reacting to a soft jobs report, oil prices holding under $80, and a Federal Reserve meeting just 37 days away. I break down CPI, PPI, unemployment at 4.2%, and what all of it means for your rate this week.Here's what's driving the mortgage rate market today:The June jobs report just showed 20,000 jobs lost while unemployment somehow held at 4.2%, and I explain why the market is reading that as a crack in the labor market. This week we get two inflation reports that matter a lot more than usual. Wednesday brings CPI, both core and headline, with core inflation expected to tick up to 0.2% after coming in flat last month. Thursday brings PPI, the producer side, expected to rise to 0.2% after a negative 0.3% reading last time. I also walk through why oil is the number to watch right now. As long as oil stays under $80 a barrel we're in a manageable range, but if it pushes toward $90 to $100 a barrel that is when inflation spikes and mortgage rates jump with it. On top of all of that, I cover the Iran conflict overhang, the Dow Jones move from 50,000 to 54,000 since the war started, and why the Fed is now sitting at a 54% chance of holding the federal funds rate steady at 3.5% to 3.75% at their next meeting in 37 days instead of cutting or hiking.Get the full breakdown and more market analysis on the blog: https://www.therateupdate.com/blogCHAPTERS (estimated, please verify against final edit) 0:00 Jobs report reaction and today's rate chart 1:35 What the Fed is watching: unemployment at 4.2% and GDP 2:35 This week's CPI and PPI reports explained 4:20 Why oil under $80 is the number that matters 5:35 Fed meeting in 37 days and today's rate forecast🏠 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/contactTOP 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-FoundationsFOLLOW THE RATE UPDATEYouTube: https://www.youtube.com/@TheRateUpdatewithDanFrio Instagram: https://instagram.com/therateupdate TikTok: https://tiktok.com/@therateupdate#MortgageRates #FederalReserve #HousingMarket2025 #JobsReport #Inflation #InterestRates #Homebuyers #RealEstate #Refinance #OilPrices

🏠 Ready to Buy or Refinance? Get Pre-Approvedhttps://257781.my1003app.com/246527/register📅 Want to Talk Through Your Options? Schedule a Consultationhttps://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05✉️ Have Questions? Contact / Ask Danhttps://www.therateupdate.com/contactWelcome 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.My goal is simple:No hype. Just real data, clear explanations, and practical next steps.Here, we break down the stories that impact your mortgage payment, your buying power, your refinance options, and your financial decisions.

Mortgage rates are in play today after a fresh jobless claims report moved the bond market. I break down what the Federal Reserve is watching, why continuing claims climbing back to 1.8 million matters for your rate, and what oil prices and the Iran ceasefire could mean if it breaks. If you are a homeowner or buyer trying to figure out where rates go next, this is the video for you.CHAPTERS 0:00 Breaking Jobs Report and What It Means for Mortgage Rates 1:45 The Federal Reserve and the Bond Market Explained 3:15 Jobless Claims Hit 1.8 Million 5:00 Oil Prices, the Iran Ceasefire, and Rate Risk 7:00 Fed Meeting Odds and My Mortgage Rate ForecastRead the full breakdown on today's numbers: https://therateupdate.com/blog🏠 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/contactWelcome 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.My goal is simple: No hype. Just real data, clear explanations, and practical next steps.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🏠 Mortgage rate updates 📉 Housing market news 📊 Inflation and Federal Reserve analysis 📈 10-Year Treasury and bond market movement 💰 Refinance opportunities 🏡 Homebuyer education 🔁 RateWatch and mortgage monitoring tools 🧮 Mortgage calculators and payment tools 🎥 Live market updates and housing commentaryWhether you are buying your first home, refinancing your current mortgage, comparing loan options, or just trying to understand why rates are moving, this channel is built to help you make better decisions.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-FoundationsFOLLOW THE RATE UPDATEYouTube: https://www.youtube.com/@TheRateUpdatewithDanFrio Instagram: https://instagram.com/therateupdate TikTok: https://tiktok.com/@therateupdateDISCLAIMERDan Frio is a licensed mortgage loan officer in all 50 states and Puerto Rico. NMLS #246527 | TRU Mortgage Team / PBT Bancorp NMLS #257781 | Equal Housing Lender.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, TRU Mortgage Team, 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, 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 #JoblessClaims #FederalReserve #HousingMarket #Homebuyers

Mortgage rates are holding steady today even after a rough ADP jobs report showed only 44,000 private payroll jobs created, well below the 100,000 needed to keep the labor market on track. At the same time, stocks are soaring toward record highs, oil markets are reacting to another tanker strike tied to the Iran conflict, and the bond market is absorbing a massive wave of Treasury, corporate, and mortgage debt. In today's episode I break down why mortgage rates aren't moving despite all this noise, what the MBS (mortgage bond) market is telling us, and what the Federal Reserve is watching heading into their next meeting.CHAPTERS 0:00 Breaking News: Jobs Report Miss and Oil Tanker Strike 1:40 Only 44,000 Jobs Created, What It Means For Your Rate 3:20 Bond Market Explained: Treasuries, Corporate Debt and MBS 6:00 Stocks Soar, Oil Tanker Struck, Why Rates Aren't Moving 8:45 Fed Rate Cut Odds, Iran War Impact and What To Watch NextRead the full breakdown on the blog: https://www.therateupdate.com/blog/the-daily-rate-update-august-5-2026-stocks-soar-but-rates-get-better🏠 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/contactWelcome 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.My goal is simple: No hype. Just real data, clear explanations, and practical next steps.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🏠 Mortgage rate updates 📉 Housing market news 📊 Inflation and Federal Reserve analysis 📈 10-Year Treasury and bond market movement 💰 Refinance opportunities 🏡 Homebuyer education 🔁 RateWatch and mortgage monitoring tools 🧮 Mortgage calculators and payment tools 🎥 Live market updates and housing commentaryWhether you are buying your first home, refinancing your current mortgage, comparing loan options, or just trying to understand why rates are moving, this channel is built to help you make better decisions.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-FoundationsFOLLOW THE RATE UPDATEYouTube: https://www.youtube.com/@TheRateUpdatewithDanFrio Instagram: https://instagram.com/therateupdate TikTok: https://tiktok.com/@therateupdateDISCLAIMERDan Frio is a licensed mortgage loan officer in all 50 states and Puerto Rico. NMLS #246527 | TRU Mortgage Team / PBT Bancorp NMLS #257781 | Equal Housing Lender.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, TRU Mortgage Team, 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, 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 #JobsReport #RealEstate

Mortgage rates are getting better today as oil drops to $77 a barrel and mortgage bonds trade up 17 ticks. In this video I break down why the Federal Reserve's 58% odds of a rate hike next meeting might not hold, how the Iran conflict is driving oil and inflation, and what this week's jobs data means for your mortgage rate.Read the full breakdown on the blog: https://www.therateupdate.com/blog/stocks-are-soaring-today-so-why-arent-mortgage-rates-going-up🏠 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/contactWelcome 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.My goal is simple: No hype. Just real data, clear explanations, and practical next steps.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🏠 Mortgage rate updates 📉 Housing market news 📊 Inflation and Federal Reserve analysis 📈 10-Year Treasury and bond market movement 💰 Refinance opportunities 🏡 Homebuyer education 🔁 RateWatch and mortgage monitoring tools 🧮 Mortgage calculators and payment tools 🎥 Live market updates and housing commentaryWhether you are buying your first home, refinancing your current mortgage, comparing loan options, or just trying to understand why rates are moving, this channel is built to help you make better decisions.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-FoundationsFOLLOW THE RATE UPDATEYouTube: https://www.youtube.com/@TheRateUpdatewithDanFrio Instagram: https://instagram.com/therateupdate TikTok: https://tiktok.com/@therateupdateDISCLAIMERDan Frio is a licensed mortgage loan officer in all 50 states and Puerto Rico. NMLS #246527 | TRU Mortgage Team / PBT Bancorp NMLS #257781 | Equal Housing Lender.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, TRU Mortgage Team, 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, 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 #Refinance #RealEstate #OilPrices #Inflation #Homebuyers #TreasuryYields #MortgageBonds

Mortgage rates, oil prices, and inflation just collided again. In this video I break down today's mortgage rate forecast, why oil crashing is moving inflation and interest rates, and what the Federal Reserve's next meeting could mean for your rate.If you're a homebuyer, homeowner, or realtor trying to figure out why rates move the way they do, this is the video that connects the dots. I walk through today's mortgage bond market chart, explain exactly how oil prices drive inflation and mortgage rates, and preview the economic data coming out this week that could push rates higher or lower.In this episode I cover: Why oil crashing is good news for mortgage rates and what could reverse it How oil prices, inflation, and interest rates are all connected This week's key economic reports: PMI, JOLTS, ADP payrolls, jobless claims, and the unemployment rate The Federal Reserve's current rate hike probability heading into the next meeting What I'm personally telling my clients right now about locking or floating their rate For more on how oil prices and inflation are shaping the mortgage market, check out my full breakdown on the blog: How Oil Prices Are Moving Mortgage Rates Right Now at therateupdate.com/blog🏠 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/contactWelcome 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.My goal is simple: No hype. Just real data, clear explanations, and practical next steps.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 🏠 Mortgage rate updates 📉 Housing market news 📊 Inflation and Federal Reserve analysis 📈 10-Year Treasury and bond market movement 💰 Refinance opportunities 🏡 Homebuyer education 🔁 RateWatch and mortgage monitoring tools 🧮 Mortgage calculators and payment tools 🎥 Live market updates and housing commentaryWhether you are buying your first home, refinancing your current mortgage, comparing loan options, or just trying to understand why rates are moving, this channel is built to help you make better decisions.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-FoundationsFOLLOW THE RATE UPDATE YouTube: https://www.youtube.com/@TheRateUpdatewithDanFrio Instagram: https://instagram.com/therateupdate TikTok: https://tiktok.com/@therateupdateDISCLAIMER Dan Frio is a licensed mortgage loan officer in all 50 states and Puerto Rico. NMLS #246527 | TRU Mortgage Team / PBT Bancorp NMLS #257781 | Equal Housing Lender.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, TRU Mortgage Team, 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, 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.Chapters: 0:00 Oil Crashes: What It Means for Your Mortgage Rate 0:50 Today's Mortgage Bond Market Chart Update 2:40 How Oil Prices Drive Inflation and Mortgage Rates 5:00 This Week's Jobs Report, PMI, and Unemployment Data 7:15 Fed Rate Hike Probabilities and What Comes Next#MortgageRates #HousingMarket #FederalReserve

Mortgage rates are on the move after 3 Federal Reserve officials voted to hike rates this week, the largest dissent within the Fed since 1970. If you're a homebuyer, homeowner, or realtor trying to figure out where mortgage rates are headed next, this is the update you need to watch.In this episode, I break down exactly why mortgage rates jumped to 6.77% today, why the Federal Reserve is split on hiking rates even as inflation cools, and why oil prices tied to the Iranian conflict are quietly driving Treasury yields and mortgage rates higher. I also walk through this week's economic data, next week's calendar, and what I'm personally advising my clients to do right now if they're under contract or thinking about locking in a rate.Here's what I cover: 🏠 Why mortgage rates hit 6.77% today 📊 The Fed's rare 3-vote dissent and what it signals 📉 How oil prices and the Iranian conflict are pushing yields higher 📈 This week's PCE inflation, GDP, and jobless claims data 🧮 Next week's full economic calendar (ISM, ADP payrolls, jobs report) 🔁 My advice for homebuyers and realtors on locking in a rate right nowRead the full breakdown on my blog: 3 Fed Officials Want a Rate Hike: What It Means for Your Mortgage Rate https://www.therateupdate.com/blog/3-fed-officials-want-rate-hikes-what-it-means-for-your-mortgage-rateChapters: 0:00 Fed's Rare 3-Vote Dissent Explained 1:30 Today's Mortgage Rate Chart Breakdown 3:00 Why Oil and the Iranian Conflict Are Driving Rates 6:00 This Week's Data Recap and Next Week's Calendar 9:30 My Advice for Homebuyers and Realtors + Fed Forecast🏠 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/contactWelcome 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.My goal is simple: No hype. Just real data, clear explanations, and practical next steps.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🏠 Mortgage rate updates 📉 Housing market news 📊 Inflation and Federal Reserve analysis 📈 10-Year Treasury and bond market movement 💰 Refinance opportunities 🏡 Homebuyer education 🔁 RateWatch and mortgage monitoring tools 🧮 Mortgage calculators and payment tools 🎥 Live market updates and housing commentaryWhether you are buying your first home, refinancing your current mortgage, comparing loan options, or just trying to understand why rates are moving, this channel is built to help you make better decisions.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-FoundationsFOLLOW THE RATE UPDATEYouTube: https://www.youtube.com/@TheRateUpdatewithDanFrio Instagram: https://instagram.com/therateupdate TikTok: https://tiktok.com/@therateupdateDISCLAIMERI am Dan Frio, a licensed mortgage loan officer in all 50 states and Puerto Rico. NMLS #246527 | TRU Mortgage Team / PBT Bancorp NMLS #257781 | Equal Housing Lender.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, TRU Mortgage Team, 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, 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 #Homebuyers

Mortgage rates, Federal Reserve, inflation, PCE report, oil prices, Iran conflict, Dow Jones, mortgage rate forecast — here's what moved rates today and what the Fed does next.The Fed just came out and the mortgage bond market took a wild ride because of it. Inflation on the PCE report came in better than expected at 3.3%, jobless claims stayed low, and the Dow is nearing 52,000... but the Fed is still showing a 60% chance of a rate hike at the next meeting. On top of that, the oil war overseas is still raging and could send rates jumping if it escalates. In this video I break down exactly what's driving mortgage rates right now and what I'm telling my own clients to do about it. How to read the mortgage rate chart and what moved rates after the Fed's comments The PCE inflation report and why 3.3% matters Jobless claims, continued claims, and what they signal about the job market Oil prices, the Iran conflict, and how a jump to $120 a barrel could affect your rate Why the Dow is near 52,000 despite the ongoing conflict The Fed's 60% odds of a hike at the next meeting, and what I'm advising clients with a signed contract right now I go deeper on this in my blog post, Is the Fed About to Trigger a Mortgage Rate Shock?: https://www.therateupdate.com/blog/is-the-fed-about-to-trigger-a-mortgage-rate-shockChapters:0:00 Intro – Inflation, Oil War & What the Fed Does Next 1:30 The Rate Chart – What Happened After the Fed's Comments 3:15 PCE Inflation Breakdown (3.3% Reading) 5:15 Jobs Data, Oil Prices & the Iran Conflict Risk 7:30 Dow Nears 52,000, Fed's 60% Hike Odds & Locking Your Rate🏠 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/contactWelcome 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.My goal is simple: No hype. Just real data, clear explanations, and practical next steps.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🏠 Mortgage rate updates 📉 Housing market news 📊 Inflation and Federal Reserve analysis 📈 10-Year Treasury and bond market movement 💰 Refinance opportunities 🏡 Homebuyer education 🔁 RateWatch and mortgage monitoring tools 🧮 Mortgage calculators and payment tools 🎥 Live market updates and housing commentaryWhether you are buying your first home, refinancing your current mortgage, comparing loan options, or just trying to understand why rates are moving, this channel is built to help you make better decisions.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-FoundationsFOLLOW THE RATE UPDATEYouTube: https://www.youtube.com/@TheRateUpdatewithDanFrio Instagram: https://instagram.com/therateupdate TikTok: https://tiktok.com/@therateupdateDISCLAIMERI am a licensed mortgage loan officer in all 50 states and Puerto Rico. NMLS #246527 | TRU Mortgage Team / PBT Bancorp NMLS #257781 | Equal Housing Lender.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, TRU Mortgage Team, 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, 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

Mortgage rates are on edge today as oil prices spike and the Federal Reserve meets to decide what happens next with interest rates. I'm breaking down what's driving today's move and what it means for your rate.Today isn't a normal day. Iran struck another ship, oil jumped 6%, and the Federal Reserve is meeting this afternoon to figure out where the federal funds rate goes from here. I walk through the bond market, the inflation data, the jobs numbers, and exactly what I'm telling my own clients to do right now if they're under contract, sitting on the sidelines, or thinking about refinancing.In this video I cover: • Why oil prices jumping 6% in one day is hitting the mortgage bond market • What the Federal Reserve actually controls and how it ripples into your rate • The real CPI, PPI, and jobs numbers the Fed is watching this week • Why inflation is dropping when you strip out oil and energy • What I'm advising clients to do today: lock, wait, or holdRead the full breakdown on my blog: Fed Rate Call During a Global Crisis: Mortgage Rate Snapshot Today — https://www.therateupdate.com/blog/fed-rate-call-global-crisis-mortgage-rate-snapshot-todayAnd for more on where rates could head next: CPI Drops, Jobs Cool: Is a Fed Rate Cut Finally Coming? — https://www.therateupdate.com/blog/cpi-drops-jobs-cool-is-a-fed-rate-cut-finally-comingCHAPTERS 0:00 Oil spikes, Iran conflict, and today's Fed meeting 1:30 How the Federal Reserve actually controls rates 3:15 CPI, PPI, and the inflation data the Fed is watching 5:45 Jobs numbers and where the cracks are showing 7:30 What I'm telling my clients to do right now🏠 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/contactWelcome 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.My goal is simple: No hype. Just real data, clear explanations, and practical next steps.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🏠 Mortgage rate updates 📉 Housing market news 📊 Inflation and Federal Reserve analysis 📈 10-Year Treasury and bond market movement 💰 Refinance opportunities 🏡 Homebuyer education 🔁 RateWatch and mortgage monitoring tools 🧮 Mortgage calculators and payment tools 🎥 Live market updates and housing commentaryWhether you are buying your first home, refinancing your current mortgage, comparing loan options, or just trying to understand why rates are moving, this channel is built to help you make better decisions.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-FoundationsFOLLOW THE RATE UPDATEYouTube: https://www.youtube.com/@TheRateUpdatewithDanFrio Instagram: https://instagram.com/therateupdate TikTok: https://tiktok.com/@therateupdateDISCLAIMERI am a licensed mortgage loan officer in all 50 states and Puerto Rico. NMLS #246527 | TRU Mortgage Team / PBT Bancorp NMLS #257781 | Equal Housing Lender.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, TRU Mortgage Team, 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, 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

Mortgage rates are holding steady heading into tomorrow's Federal Reserve meeting, but oil sitting at $80 a barrel could change everything fast. Today I break down the jobs report, cooling inflation data, and why home prices are up 1.6% year over year despite the crash predictions.There's a 70% chance the Fed does nothing at tomorrow's meeting, but that's not the full story. Between a softening ADP jobs report, inflation numbers coming in cooler than expected, and oil prices tied directly to the ongoing conflict overseas, there's a lot moving underneath the surface that could shift your rate in either direction. Here's exactly what I'm watching and what I'm telling my own clients to do right now.📊 What we're tracking today: Federal Reserve meets tomorrow, federal funds rate currently at 3.75% 70% chance of no rate change at this meeting, with hikes possibly on the table by end of year ADP jobs report shows job creation slowing to roughly 60,000 a month, below the 100,000 needed to stay neutral Core CPI and PPI inflation both came in cooler than expected two weeks ago Oil prices sitting at $80 a barrel, up from $60 before the war started, directly pressuring inflation and rates Home prices up 1.6% year over year (Case-Shiller), beating the 1.2% forecast Mortgage rates up 14 ticks recently and holding steady for now Read the full rate breakdown on my blog: https://www.therateupdate.com/blog/mortgage-rates-flat-at-680-ahead-of-critical-fed-vote⏱️ Chapters (estimated, please verify against footage): 0:00 – Intro: What's Coming Tomorrow From the Fed 1:35 – Today's Jobs Report and Inflation Check 3:20 – Oil at $80 a Barrel and Why the Fed Is Watching 5:15 – Home Prices Up 1.6%? The Crash Crowd Reacts 7:10 – Fed Meeting Tomorrow and What I'm Telling My Clients🏠 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/contactTOP 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-FoundationsFOLLOW THE RATE UPDATEYouTube: https://www.youtube.com/@TheRateUpdatewithDanFrio Instagram: https://instagram.com/therateupdate TikTok: https://tiktok.com/@therateupdateDISCLAIMERI am a licensed mortgage loan officer in all 50 states and Puerto Rico. NMLS #246527 | TRU Mortgage Team / PBT Bancorp NMLS #257781 | Equal Housing Lender.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, TRU Mortgage Team, 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, 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

Mortgage rates today: oil prices drop to $84 a barrel, new tariffs hit the market, and the Federal Reserve meets in 2 days. Here's what it means for your mortgage rate, refinance, and home buying plans.🏠 Ready to Buy or Refinance? Get Pre-Approvedhttps://257781.my1003app.com/246527/register📅 Want to Talk Through Your Options? Schedule a Consultationhttps://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05✉️ Have Questions? Contact / Ask Danhttps://www.therateupdate.com/contactCHAPTERS0:00 Fed Meeting in 2 Days: What's at Stake1:45 The Fed's Two Mandates and Why Inflation Is Still the Problem3:30 Oil Prices, New Tariffs, and How the Bond Market Moves Your Rate6:15 What I'm Telling My Clients Right Now8:30 Free Tools and What to Watch Before WednesdayWelcome 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.My goal is simple: No hype. Just real data, clear explanations, and practical next steps.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🏠 Mortgage rate updates📉 Housing market news📊 Inflation and Federal Reserve analysis📈 10-Year Treasury and bond market movement💰 Refinance opportunities🏡 Homebuyer education🔁 RateWatch and mortgage monitoring tools🧮 Mortgage calculators and payment tools🎥 Live market updates and housing commentaryWhether you are buying your first home, refinancing your current mortgage, comparing loan options, or just trying to understand why rates are moving, this channel is built to help you make better decisions.📖 READ THIS WEEK'S FULL BREAKDOWNThis Week's Mortgage Rate Outlook: Rates Down, Fed Decision Aheadhttps://www.therateupdate.com/blog/this-weeks-mortgage-rate-outlook-rates-down-fed-decision-aheadTOP 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-FoundationsFOLLOW THE RATE UPDATEYouTube: https://www.youtube.com/@TheRateUpdatewithDanFrioInstagram: https://instagram.com/therateupdateTikTok: https://tiktok.com/@therateupdateDISCLAIMERDan Frio is a licensed mortgage loan officer in all 50 states and Puerto Rico. NMLS #246527 | TRU Mortgage Team / PBT Bancorp NMLS #257781 | Equal Housing Lender.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, TRU Mortgage Team, 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, 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 #Refinance #HomeBuying

I used AI to rank every major housing market analyst since 2022 — who called the housing crash right, who got mortgage rate forecasts wrong, and where real estate is really headed in 2026. See how Logan from HousingWire, Realtor.com, and Zillow scored versus analysts still predicting a crash worse than 2008.Every day someone tells you exactly where mortgage rates and home prices are headed — but almost none of them go back and check if they were right. So I did. I ran the top housing market analysts and real estate YouTubers through AI, backdated the data to 2022, and scored who actually predicted housing correctly versus who's been calling for a housing crash worse than 2008 for four years straight.In this video I break down: The top-ranked housing market analysts since 2022 (HousingWire, Realtor.com, Zillow) The real estate influencers with the worst forecasting track record on mortgage rates and home prices Why "housing crash worse than 2008" predictions have failed for years Where my own mortgage rate and housing forecasts ranked What this means for homebuyers and homeowners deciding whether to buy, sell, or refinance in 2026 🏠 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/contactWelcome 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.My goal is simple: No hype. Just real data, clear explanations, and practical next steps.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🏠 Mortgage rate updates 📉 Housing market news 📊 Inflation and Federal Reserve analysis 📈 10-Year Treasury and bond market movement 💰 Refinance opportunities 🏡 Homebuyer education 🔁 RateWatch and mortgage monitoring tools 🧮 Mortgage calculators and payment tools 🎥 Live market updates and housing commentaryWhether you are buying your first home, refinancing your current mortgage, comparing loan options, or just trying to understand why rates are moving, this channel is built to help you make better decisions.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-FoundationsFOLLOW THE RATE UPDATEYouTube: https://www.youtube.com/@TheRateUpdatewithDanFrio Instagram: https://instagram.com/therateupdate TikTok: https://tiktok.com/@therateupdateDISCLAIMERDan Frio is a licensed mortgage loan officer in all 50 states and Puerto Rico. NMLS #246527 | TRU Mortgage Team / PBT Bancorp NMLS #257781 | Equal Housing Lender.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, TRU Mortgage Team, 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, 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 moved higher today even after jobless claims hit a multi-year low — here's why. In this mortgage rate update, Dan Frio breaks down today's jobs report, the mortgage bond market, oil prices near $95 a barrel, and what it means for the Federal Reserve's next interest rate decision. If you're buying a home, refinancing, or just trying to understand why mortgage rates keep moving, this housing market update explains exactly what's happening and what to watch next.📖 Read the full breakdown: https://www.therateupdate.com/blog/mortgage-rates-just-hit-11-month-high-heres-what-happens-next

🏠 Ready to Buy or Refinance? Get Pre-Approvedhttps://257781.my1003app.com/246527/register📅 Want to Talk Through Your Options? Schedule a Consultationhttps://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05✉️ Have Questions? Contact / Ask Danhttps://www.therateupdate.com/contactWelcome 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.

Oil hit $120 a barrel during the last Iran conflict. Today it's sitting around $80... during the SAME kind of conflict. That gap is the whole story for where mortgage rates go next, and I break down exactly why in today's video.I also walk through the two things the Federal Reserve actually cares about (inflation and jobs), what last week's data really showed, and why I'm telling you there's basically a 100% chance the Fed does nothing at next week's meeting. Then I get into what I'm personally telling my clients to do right now if you're under contract, or if you're planning to buy later this year.Stick around to the end, I show you the exact tools I use every single day to track this stuff myself, and how you can use them too.📖 Want more detail on what could move rates at next week's meeting? Read the full breakdown here: Fed Meeting Preview: What Could Move Mortgage Rates? — The Frio Team https://www.therateupdate.com/blog/fed-meeting-preview-what-could-move-mortgage-rates📍 LINKS FROM TODAY'S VIDEO 🏠 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⏱️ CHAPTERS 0:00 What the Fed Is Really Watching This Week 1:45 Inflation, Jobs & the Numbers Behind the Decision 4:00 Oil at $120 vs $80: Why the Gap Matters 6:15 This Week's Calendar & the Fed's Real Odds 8:30 What I'm Telling Buyers to Do Right NowWelcome 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.My goal is simple: No hype. Just real data, clear explanations, and practical next steps.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🏠 Mortgage rate updates 📉 Housing market news 📊 Inflation and Federal Reserve analysis 📈 10-Year Treasury and bond market movement 💰 Refinance opportunities 🏡 Homebuyer education 🔁 RateWatch and mortgage monitoring tools 🧮 Mortgage calculators and payment tools 🎥 Live market updates and housing commentaryWhether you are buying your first home, refinancing your current mortgage, comparing loan options, or just trying to understand why rates are moving, this channel is built to help you make better decisions.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-FoundationsFOLLOW THE RATE UPDATEYouTube: https://www.youtube.com/@TheRateUpdatewithDanFrio Instagram: https://instagram.com/therateupdate TikTok: https://tiktok.com/@therateupdateDISCLAIMERDan Frio is a licensed mortgage loan officer in all 50 states and Puerto Rico. NMLS #246527 | TRU Mortgage Team / PBT Bancorp NMLS #257781 | Equal Housing Lender.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, TRU Mortgage Team, 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, 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, inflation data, and Federal Reserve rate expectations all came together this week. Consumer inflation (CPI) and producer inflation (PPI) both came in negative, yet markets are still pricing in a possible Fed rate hike — Dan breaks down why the numbers and the Fed's next move don't seem to line up, what's coming next week before the Fed meeting, how oil prices tie into mortgage rates, and why he thinks rates could test their lows again soon.00:00 Intro: Why the Fed hike talk doesn't add up 01:35 This week's inflation and jobs data 03:45 What's coming next week before the Fed meets 05:45 Fed rate hike odds and closing outlook🏠 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/contactWelcome 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.My goal is simple: No hype. Just real data, clear explanations, and practical next steps.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🏠 Mortgage rate updates 📉 Housing market news 📊 Inflation and Federal Reserve analysis 📈 10-Year Treasury and bond market movement 💰 Refinance opportunities 🏡 Homebuyer education 🔁 RateWatch and mortgage monitoring tools 🧮 Mortgage calculators and payment tools 🎥 Live market updates and housing commentaryWhether you are buying your first home, refinancing your current mortgage, comparing loan options, or just trying to understand why rates are moving, this channel is built to help you make better decisions.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-FoundationsFOLLOW THE RATE UPDATEYouTube: https://www.youtube.com/@TheRateUpdatewithDanFrio Instagram: https://instagram.com/therateupdate TikTok: https://tiktok.com/@therateupdateDISCLAIMERDan Frio is a licensed mortgage loan officer in all 50 states and Puerto Rico. NMLS #246527 | TRU Mortgage Team / PBT Bancorp NMLS #257781 | Equal Housing Lender.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, TRU Mortgage Team, 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, 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 rallied today after both CPI and PPI inflation reports came in negative — one of the strongest back-to-back inflation readings in months for homebuyers and homeowners. In this daily mortgage rate update, licensed mortgage loan officer Dan Frio breaks down today's Producer Price Index (PPI) report, yesterday's Consumer Price Index (CPI) report, why core inflation cooling is pushing mortgage rates lower, what oil at $79 a barrel and a stock rally led by JPMorgan, Goldman Sachs, Bank of America, and Citi mean for the bigger picture, and whether mortgage rates are heading back to 5.99% or climbing toward 7%. If you're a homebuyer, homeowner, real estate agent, or loan officer tracking mortgage rates today, this video breaks down the real economic data behind today's rate movement — not just the headlines. ⏱️ CHAPTERS 0:00 Today's Big Question: Is a Fed Rate Hike Off the Table? 1:30 CPI and PPI Both Come In Negative 4:00 Why Stocks Are Rallying Despite Oil at $79 6:00 What the Fed Meeting in 14 Days Could Mean 9:00 Rate Chart Update: Testing the 5.99% Low and What to Do Next 🏠 Ready to Buy or Refinance? Get Pre-Approved https://257781.my1003app.com/246527/r... 📅 Want to Talk Through Your Options? Schedule a Consultation https://calendly.com/d/cq29-7xd-x3v/t... ✉️ Have Questions? Contact / Ask Dan https://www.therateupdate.com/contact ⚖️ COMPLIANCE & DISCLOSURE The views, opinions, and forecasts shared in this video are those of Dan Frio personally and do not represent the views, opinions, or positions of PBT Bancorp, TRU Mortgage Team, or any other company, employer, or organization Dan Frio is affiliated with. Dan Frio is not a licensed financial planner, financial advisor, tax advisor, or investment advisor. Nothing in this video or on this channel should be construed as personalized financial, investment, tax, or legal advice — it is general education and commentary only. Always consult a licensed professional about your specific situation before making a financial decision. Welcome to The Rate Update with Dan Frio — your daily source for mortgage rates today, housing market updates, inflation data (CPI, PPI, PCE), Federal Reserve policy, and bond market analysis. 🏠 Mortgage rate updates 📉 Housing market news 📊 Inflation and Federal Reserve analysis 📈 10-Year Treasury and bond market movement 💰 Refinance opportunities 🏡 Homebuyer education 🔁 RateWatch and mortgage monitoring tools 🧮 Mortgage calculators and payment tools 🎥 Live market updates and housing commentary 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 FOLLOW THE RATE UPDATE YouTube: / @therateupdatewithdanfrio Instagram: / therateupdate TikTok: / therateupdate DISCLAIMER Dan Frio is a licensed mortgage loan officer in all 50 states and Puerto Rico. NMLS #246527 | TRU Mortgage Team / PBT Bancorp NMLS #257781 | Equal Housing Lender. 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. Nothing on this channel is an offer to lend, a commitment to lend, 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 #InflationReport #HousingMarket2026 #FederalReserve #CPI #PPI #InterestRatesToday #MortgageRateForecast #RealEstate

🏠 Ready to Buy or Refinance? Get Pre-Approvedhttps://257781.my1003app.com/246527/register📅 Want to Talk Through Your Options? Schedule a Consultationhttps://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05✉️ Have Questions? Contact / Ask Danhttps://www.therateupdate.com/contactWelcome 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.My goal is simple:No hype. Just real data, clear explanations, and practical next steps.

🏠 Ready to Buy or Refinance? Get Pre-Approvedhttps://257781.my1003app.com/246527/register📅 Want to Talk Through Your Options? Schedule a Consultationhttps://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05✉️ Have Questions? Contact / Ask Danhttps://www.therateupdate.com/contactWelcome 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.My goal is simple:No hype. Just real data, clear explanations, and practical next steps.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🏠 Mortgage rate updates📉 Housing market news📊 Inflation and Federal Reserve analysis📈 10-Year Treasury and bond market movement💰 Refinance opportunities🏡 Homebuyer education🔁 RateWatch and mortgage monitoring tools🧮 Mortgage calculators and payment tools🎥 Live market updates and housing commentaryWhether you are buying your first home, refinancing your current mortgage, comparing loan options, or just trying to understand why rates are moving, this channel is built to help you make better decisions.TOP RESOURCES📉 Track Mortgage Rates Automaticallyhttps://rw2.therateupdate.com/🏠 TRU Mortgage Command Centerhttps://command.therateupdate.com/💳 TRU Debt Optimizerhttps://debtrelief.therateupdate.com/🧮 Mortgage Calculators & Toolshttps://stan.store/TRU-FoundationsFOLLOW THE RATE UPDATEYouTube: https://www.youtube.com/@TheRateUpdatewithDanFrioInstagram: https://instagram.com/therateupdateTikTok: https://tiktok.com/@therateupdateDISCLAIMERDan Frio is a licensed mortgage loan officer in all 50 states and Puerto Rico. NMLS #246527 | TRU Mortgage Team / PBT Bancorp NMLS #257781 | Equal Housing Lender.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, TRU Mortgage Team, 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, 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.

🏠 Ready to Buy or Refinance? Get Pre-Approvedhttps://257781.my1003app.com/246527/register📅 Want to Talk Through Your Options? Schedule a Consultationhttps://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05✉️ Have Questions? Contact / Ask Danhttps://www.therateupdate.com/contactWelcome 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.My goal is simple:No hype. Just real data, clear explanations, and practical next steps.

🏠 Ready to Buy or Refinance? Get Pre-Approvedhttps://257781.my1003app.com/246527/register📅 Want to Talk Through Your Options? Schedule a Consultationhttps://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05✉️ Have Questions? Contact / Ask Danhttps://www.therateupdate.com/contactWelcome 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.My goal is simple:No hype. Just real data, clear explanations, and practical next steps.Here, we break down the stories that impact your mortgage payment, your buying power, your refinance options, and your financial decisions.

🏠 Ready to Buy or Refinance? Get Pre-Approvedhttps://257781.my1003app.com/246527/register📅 Want to Talk Through Your Options? Schedule a Consultationhttps://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05✉️ Have Questions? Contact / Ask Danhttps://www.therateupdate.com/contactWelcome 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.My goal is simple:No hype. Just real data, clear explanations, and practical next steps.Here, we break down the stories that impact your mortgage payment, your buying power, your refinance options, and your financial decisions.

🏠 Ready to Buy or Refinance? Get Pre-Approvedhttps://257781.my1003app.com/246527/register📅 Want to Talk Through Your Options? Schedule a Consultationhttps://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05✉️ Have Questions? Contact / Ask Danhttps://www.therateupdate.com/contactWelcome 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.My goal is simple:No hype. Just real data, clear explanations, and practical next steps.

🏠 Ready to Buy or Refinance? Get Pre-Approvedhttps://257781.my1003app.com/246527/register📅 Want to Talk Through Your Options? Schedule a Consultationhttps://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05✉️ Have Questions? Contact / Ask Danhttps://www.therateupdate.com/contactWelcome 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.My goal is simple:No hype. Just real data, clear explanations, and practical next steps.Here, we break down the stories that impact your mortgage payment, your buying power, your refinance options, and your financial decisions.