Episodes

  • S2025 Ep329: Mortgage Rates Jump Today: Could Oil, Iran & Inflation Push Us Back to 7%?

    S2025 Ep329: Mortgage Rates Jump Today: Could Oil, Iran & Inflation Push Us Back to 7%?
    May 19 2026
    🔗 NEXT STEPS🏠 Ready to Buy or Refinance? Get Pre-Approved https://257781.my1003app.com/246527/register📅 Want to Talk Through Your Options? Schedule a Consultation https://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05✉️ Have Questions? Contact / Ask Dan https://www.therateupdate.com/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-Foundations📊 Credit Monitoring (SmartCredit) → https://www.smartcredit.com/?PID=42980📈 Free Credit Scores (Credit Karma) → https://www.creditkarma.com/lp/free-credit-scores-v12aff?adcopy=0&adcampaign=core_acq_awinWelcome to **The Rate Update with Dan Frio**.I break down **mortgage rates, housing, inflation, Treasury yields, Federal Reserve policy, and the economic news that impacts homebuyers, homeowners, real estate professionals, and anyone watching the housing market**.My goal is simple: help you understand **what’s happening, why it matters, and what you should do next**.On this channel, you’ll find content about:- Mortgage rates today- Housing market updates- Refinance opportunities- Homebuying strategies- Inflation and Federal Reserve news- Treasury and bond market movements- Mortgage industry insights- Tools to help you save money and make smarter decisionsWhether you’re buying your first home, refinancing your current mortgage, comparing lenders, or trying to understand where rates may go next, you’re in the right place.WORK WITH ME📅 Schedule a Consultation → https://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05📝 Apply for a Mortgage (30+ Lenders • 1 Credit Pull) → https://257781.my1003app.com/246527/register📨 Contact / Ask Dan → https://www.therateupdate.com/contactFOLLOW THE RATE UPDATEYouTube → https://www.youtube.com/@TheRateUpdatewithDanFrioInstagram → https://instagram.com/therateupdateTikTok → https://tiktok.com/@therateupdate— DISCLAIMER —Dan Frio is a licensed mortgage loan officer in all 50 states and Puerto Rico (NMLS #246527) with TRU Mortgage Team / PBT Bancorp (NMLS #257781), an Equal Housing Lender.This channel and all content published by Dan Frio are provided for educational and informational purposes only. Nothing in this video, description, comments, calculators, tools, emails, websites, or linked content should be construed as an offer to lend, a commitment to lend, financial advice, legal advice, tax advice, or investment advice.Mortgage approvals, loan terms, interest rates, down payment requirements, and program availability are subject to change without notice and depend on borrower qualifications, including but not limited to credit score, income, assets, employment, property type, occupancy, appraisal, title, underwriting approval, and current lending guidelines.All opinions expressed are solely those of Dan Frio and do not necessarily reflect the views of PBT Bancorp, its affiliates, or any other institution.Use of this channel, watching videos, commenting, messaging, scheduling a consultation, or submitting information does not create a client relationship. All examples, payment scenarios, savings illustrations, and mortgage comparisons are for demonstration purposes only and should be independently verified.Not all borrowers will qualify. Equal Housing Lender.TRU Mortgage Team / PBT BancorpNMLS #257781Dan Frio NMLS #246527Equal Housing Lender
    Show More Show Less
    16 mins
  • S2025 Ep328: Mortgage Rates Headed Back to 7%? What Happens Next

    S2025 Ep328: Mortgage Rates Headed Back to 7%? What Happens Next
    May 18 2026

    Mortgage rates may be headed back toward 7% — but why?

    Today on The Rate Update, we’re breaking down what is happening with mortgage rates, oil prices, Iran, bond yields, the 10-Year Treasury, and the bigger question every homebuyer and homeowner is asking right now:

    Are rates going higher again — and what should you do next?

    We’ll connect the dots between global headlines and your actual mortgage payment, including:

    • Why oil prices matter to mortgage rates
    • How Iran/geopolitical risk can affect inflation fears
    • Why bond yields and the 10-Year Treasury are moving
    • What this means for homebuyers watching affordability
    • What homeowners should know if they’re waiting to refinance
    • How to monitor rates instead of guessing

    If you’re buying a home, refinancing, or trying to understand where mortgage rates may go next, this show is built for you.

    LIVE weekdays at 9:00 AM Central Time.

    No hype. Just real data.

    🔗 NEXT STEPS

    🏠 Ready to Buy or Refinance? Get Pre-Approved
    https://257781.my1003app.com/246527/register

    📅 Want to Talk Through Your Options? Schedule a Consultation
    https://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05

    ✉️ Have Questions? Contact / Ask Dan
    https://www.therateupdate.com/contact

    TOP RESOURCES

    📉 Track Mortgage Rates Automatically → https://rw2.therateupdate.com/

    🏠 TRU Mortgage Command Center → https://command.therateupdate.com/

    💳 TRU Debt Optimizer → https://debtrelief.therateupdate.com/

    🧮 Mortgage Calculators & Tools → https://stan.store/TRU-Foundations

    📊 Credit Monitoring (SmartCredit) → https://www.smartcredit.com/?PID=42980

    📈 Free Credit Scores (Credit Karma) → https://www.creditkarma.com/lp/free-credit-scores-v12aff?adcopy=0&adcampaign=core_acq_awin

    SUBSCRIBE for daily mortgage rate updates, housing market news, inflation breakdowns, and real-time analysis of the economic data that affects homebuyers and homeowners.

    Dan Frio
    Licensed Mortgage Loan Officer
    NMLS #246527

    Equal Housing Lender

    DISCLAIMER:
    This content is for educational and informational purposes only and should not be considered financial, legal, tax, or mortgage advice. Mortgage rates, terms, and program availability can change at any time and depend on credit profile, loan amount, property type, occupancy, market conditions, and lender guidelines. Always review your specific options with a licensed mortgage professional.
    Show More Show Less
    24 mins
  • S2025 Ep327: Mortgage Rates Are Spiking Today (And What To Do About It)

    S2025 Ep327: Mortgage Rates Are Spiking Today (And What To Do About It)
    May 15 2026
    🔗 NEXT STEPS🏠 Ready to Buy or Refinance? Get Pre-Approved https://257781.my1003app.com/246527/register📅 Want to Talk Through Your Options? Schedule a Consultation https://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05✉️ Have Questions? Contact / Ask Dan https://www.therateupdate.com/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-Foundations📊 Credit Monitoring (SmartCredit) → https://www.smartcredit.com/?PID=42980📈 Free Credit Scores (Credit Karma) → https://www.creditkarma.com/lp/free-credit-scores-v12aff?adcopy=0&adcampaign=core_acq_awinWelcome to **The Rate Update with Dan Frio**.I break down **mortgage rates, housing, inflation, Treasury yields, Federal Reserve policy, and the economic news that impacts homebuyers, homeowners, real estate professionals, and anyone watching the housing market**.My goal is simple: help you understand **what’s happening, why it matters, and what you should do next**.On this channel, you’ll find content about:- Mortgage rates today- Housing market updates- Refinance opportunities- Homebuying strategies- Inflation and Federal Reserve news- Treasury and bond market movements- Mortgage industry insights- Tools to help you save money and make smarter decisionsWhether you’re buying your first home, refinancing your current mortgage, comparing lenders, or trying to understand where rates may go next, you’re in the right place.WORK WITH ME📅 Schedule a Consultation → https://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05📝 Apply for a Mortgage (30+ Lenders • 1 Credit Pull) → https://257781.my1003app.com/246527/register📨 Contact / Ask Dan → https://www.therateupdate.com/contactFOLLOW THE RATE UPDATEYouTube → https://www.youtube.com/@TheRateUpdatewithDanFrioInstagram → https://instagram.com/therateupdateTikTok → https://tiktok.com/@therateupdate— DISCLAIMER —Dan Frio is a licensed mortgage loan officer in all 50 states and Puerto Rico (NMLS #246527) with TRU Mortgage Team / PBT Bancorp (NMLS #257781), an Equal Housing Lender.This channel and all content published by Dan Frio are provided for educational and informational purposes only. Nothing in this video, description, comments, calculators, tools, emails, websites, or linked content should be construed as an offer to lend, a commitment to lend, financial advice, legal advice, tax advice, or investment advice.Mortgage approvals, loan terms, interest rates, down payment requirements, and program availability are subject to change without notice and depend on borrower qualifications, including but not limited to credit score, income, assets, employment, property type, occupancy, appraisal, title, underwriting approval, and current lending guidelines.All opinions expressed are solely those of Dan Frio and do not necessarily reflect the views of PBT Bancorp, its affiliates, or any other institution.Use of this channel, watching videos, commenting, messaging, scheduling a consultation, or submitting information does not create a client relationship. All examples, payment scenarios, savings illustrations, and mortgage comparisons are for demonstration purposes only and should be independently verified.Not all borrowers will qualify. Equal Housing Lender.TRU Mortgage Team / PBT BancorpNMLS #257781Dan Frio NMLS #246527Equal Housing Lender
    Show More Show Less
    17 mins
  • S2025 Ep326: The Rate Update Live: Warsh Takes Over the Fed — What Happens to Mortgage Rates?

    S2025 Ep326: The Rate Update Live: Warsh Takes Over the Fed — What Happens to Mortgage Rates?
    May 14 2026
    Are you shopping for a mortgage rate the wrong way?Most homebuyers are told to “shop around” for mortgage rates — so they go to Bankrate, LendingTree, or other online rate sites, enter their information, compare teaser rates, and hope they’re getting the best deal.But the lowest advertised mortgage rate is not always the best mortgage deal.In this video, I take you behind the scenes and show how we compare your loan across 30+ lenders using one application and one credit pull — instead of sending your information all over the internet.We break down why mortgage rates vary based on credit score, down payment, income, loan program, property type, and whether you qualify for affordable mortgage programs. I also show examples comparing Conventional, FHA, and VA loan options so you can see why the “best rate” depends on your full financial picture — not just one advertised number online.You’ll also see how points, lender fees, and hidden costs can make a low rate much more expensive than it looks.In this video, we cover:✅ How we compare your loan to 30+ lenders✅ Why one application and one credit pull matters✅ Why online mortgage quotes can be misleading✅ Why points and fees matter as much as the rate✅ How credit score impacts mortgage pricing✅ Conventional vs. FHA vs. VA loan examples✅ How RateWatch 2.2 can track refinance savings✅ How to upload your Loan Estimate for a second opinion🔗 NEXT STEPS🏠 Ready to Buy or Refinance? Get Pre-Approved https://257781.my1003app.com/246527/register📅 Want to Talk Through Your Options? Schedule a Consultation https://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05✉️ Have Questions? Contact / Ask Dan https://www.therateupdate.com/contact📄 Want a Second Opinion on Your Loan Estimate?Upload your Loan Estimate and we’ll compare the rate, fees, and program structure to see if there may be a better option available.TOP RESOURCES📉 Track Mortgage Rates Automatically → https://rw2.therateupdate.com/🏠 TRU Mortgage Command Center → https://command.therateupdate.com/💳 TRU Debt Optimizer → https://debtrelief.therateupdate.com/🧮 Mortgage Calculators & Tools → https://stan.store/TRU-Foundations📊 Credit Monitoring → https://www.smartcredit.com/?PID=42980📈 Free Credit Scores → https://www.creditkarma.com/lp/free-credit-scores-v12aff?adcopy=0&adcampaign=core_acq_awinThe Rate Update with Dan Frio.I break down mortgage rates, housing, inflation, Treasury yields, Federal Reserve policy, and the economic news that impacts homebuyers, homeowners, real estate professionals, and anyone watching the housing market.WORK WITH ME📅 Schedule a Consultation → https://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05📝 Apply for a Mortgage → https://257781.my1003app.com/246527/register📨 Contact / Ask Dan → https://www.therateupdate.com/contactFOLLOW THE RATE UPDATEYouTube → https://www.youtube.com/@TheRateUpdatewithDanFrioInstagram → https://instagram.com/therateupdateTikTok → https://tiktok.com/@therateupdate— DISCLAIMER —Dan Frio is a licensed mortgage loan officer in all 50 states and Puerto Rico (NMLS #246527) with TRU Mortgage Team / PBT Bancorp (NMLS #257781), an Equal Housing Lender.This content is for educational and informational purposes only. Nothing in this video, description, comments, calculators, tools, websites, or linked content should be construed as an offer to lend, a commitment to lend, financial advice, legal advice, tax advice, or investment advice.Mortgage approvals, loan terms, interest rates, down payment requirements, and program availability are subject to change without notice and depend on borrower qualifications, including credit score, income, assets, employment, property type, occupancy, appraisal, title, underwriting approval, and current lending guidelines.All opinions expressed are solely those of Dan Frio and do not necessarily reflect the views of PBT Bancorp, its affiliates, or any other institution.Not all borrowers will qualify. Equal Housing Lender.TRU Mortgage Team / PBT BancorpNMLS #257781Dan Frio NMLS #246527Equal Housing Lender
    Show More Show Less
    23 mins
  • S2025 Ep325: The Rate Update: Opening Bell with Dan Frio

    S2025 Ep325: The Rate Update: Opening Bell with Dan Frio
    May 13 2026
    🔗 NEXT STEPS🏠 Ready to Buy or Refinance? Get Pre-Approved https://257781.my1003app.com/246527/register📅 Want to Talk Through Your Options? Schedule a Consultation https://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05✉️ Have Questions? Contact / Ask Dan https://www.therateupdate.com/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-Foundations📊 Credit Monitoring (SmartCredit) → https://www.smartcredit.com/?PID=42980📈 Free Credit Scores (Credit Karma) → https://www.creditkarma.com/lp/free-credit-scores-v12aff?adcopy=0&adcampaign=core_acq_awinWelcome to **The Rate Update with Dan Frio**.I break down **mortgage rates, housing, inflation, Treasury yields, Federal Reserve policy, and the economic news that impacts homebuyers, homeowners, real estate professionals, and anyone watching the housing market**.My goal is simple: help you understand **what’s happening, why it matters, and what you should do next**.On this channel, you’ll find content about:- Mortgage rates today- Housing market updates- Refinance opportunities- Homebuying strategies- Inflation and Federal Reserve news- Treasury and bond market movements- Mortgage industry insights- Tools to help you save money and make smarter decisionsWhether you’re buying your first home, refinancing your current mortgage, comparing lenders, or trying to understand where rates may go next, you’re in the right place.WORK WITH ME📅 Schedule a Consultation → https://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05📝 Apply for a Mortgage (30+ Lenders • 1 Credit Pull) → https://257781.my1003app.com/246527/register📨 Contact / Ask Dan → https://www.therateupdate.com/contactFOLLOW THE RATE UPDATEYouTube → https://www.youtube.com/@TheRateUpdatewithDanFrioInstagram → https://instagram.com/therateupdateTikTok → https://tiktok.com/@therateupdate— DISCLAIMER —Dan Frio is a licensed mortgage loan officer in all 50 states and Puerto Rico (NMLS #246527) with TRU Mortgage Team / PBT Bancorp (NMLS #257781), an Equal Housing Lender.This channel and all content published by Dan Frio are provided for educational and informational purposes only. Nothing in this video, description, comments, calculators, tools, emails, websites, or linked content should be construed as an offer to lend, a commitment to lend, financial advice, legal advice, tax advice, or investment advice.Mortgage approvals, loan terms, interest rates, down payment requirements, and program availability are subject to change without notice and depend on borrower qualifications, including but not limited to credit score, income, assets, employment, property type, occupancy, appraisal, title, underwriting approval, and current lending guidelines.All opinions expressed are solely those of Dan Frio and do not necessarily reflect the views of PBT Bancorp, its affiliates, or any other institution.Use of this channel, watching videos, commenting, messaging, scheduling a consultation, or submitting information does not create a client relationship. All examples, payment scenarios, savings illustrations, and mortgage comparisons are for demonstration purposes only and should be independently verified.Not all borrowers will qualify. Equal Housing Lender.TRU Mortgage Team / PBT BancorpNMLS #257781Dan Frio NMLS #246527Equal Housing Lender
    Show More Show Less
    25 mins
  • S2025 Ep324: The Rate Update Live — Mortgage Rates, Real Estate & Market News

    S2025 Ep324: The Rate Update Live — Mortgage Rates, Real Estate & Market News
    May 12 2026
    🔗 NEXT STEPS🏠 Ready to Buy or Refinance? Get Pre-Approved https://257781.my1003app.com/246527/register📅 Want to Talk Through Your Options? Schedule a Consultation https://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05✉️ Have Questions? Contact / Ask Dan https://www.therateupdate.com/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-Foundations📊 Credit Monitoring (SmartCredit) → https://www.smartcredit.com/?PID=42980📈 Free Credit Scores (Credit Karma) → https://www.creditkarma.com/lp/free-credit-scores-v12aff?adcopy=0&adcampaign=core_acq_awinWelcome to **The Rate Update with Dan Frio**.I break down **mortgage rates, housing, inflation, Treasury yields, Federal Reserve policy, and the economic news that impacts homebuyers, homeowners, real estate professionals, and anyone watching the housing market**.My goal is simple: help you understand **what’s happening, why it matters, and what you should do next**.On this channel, you’ll find content about:- Mortgage rates today- Housing market updates- Refinance opportunities- Homebuying strategies- Inflation and Federal Reserve news- Treasury and bond market movements- Mortgage industry insights- Tools to help you save money and make smarter decisionsWhether you’re buying your first home, refinancing your current mortgage, comparing lenders, or trying to understand where rates may go next, you’re in the right place.WORK WITH ME📅 Schedule a Consultation → https://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05📝 Apply for a Mortgage (30+ Lenders • 1 Credit Pull) → https://257781.my1003app.com/246527/register📨 Contact / Ask Dan → https://www.therateupdate.com/contactFOLLOW THE RATE UPDATEYouTube → https://www.youtube.com/@TheRateUpdatewithDanFrioInstagram → https://instagram.com/therateupdateTikTok → https://tiktok.com/@therateupdate— DISCLAIMER —Dan Frio is a licensed mortgage loan officer in all 50 states and Puerto Rico (NMLS #246527) with TRU Mortgage Team / PBT Bancorp (NMLS #257781), an Equal Housing Lender.This channel and all content published by Dan Frio are provided for educational and informational purposes only. Nothing in this video, description, comments, calculators, tools, emails, websites, or linked content should be construed as an offer to lend, a commitment to lend, financial advice, legal advice, tax advice, or investment advice.Mortgage approvals, loan terms, interest rates, down payment requirements, and program availability are subject to change without notice and depend on borrower qualifications, including but not limited to credit score, income, assets, employment, property type, occupancy, appraisal, title, underwriting approval, and current lending guidelines.All opinions expressed are solely those of Dan Frio and do not necessarily reflect the views of PBT Bancorp, its affiliates, or any other institution.Use of this channel, watching videos, commenting, messaging, scheduling a consultation, or submitting information does not create a client relationship. All examples, payment scenarios, savings illustrations, and mortgage comparisons are for demonstration purposes only and should be independently verified.Not all borrowers will qualify. Equal Housing Lender.TRU Mortgage Team / PBT BancorpNMLS #257781Dan Frio NMLS #246527Equal Housing Lender
    Show More Show Less
    17 mins
  • S2025 Ep323: The Rate Update LIVE: Mortgage Rates, Markets & Real Estate at 9AM

    S2025 Ep323: The Rate Update LIVE: Mortgage Rates, Markets & Real Estate at 9AM
    May 11 2026
    LIVE WEEKDAYS AT 9AM — THE RATE UPDATE WITH DAN FRIOMortgage rates move for a reason — and every weekday morning, we break down what is driving them.Today’s Rate Update recaps what is happening right now with mortgage rates, the bond market, the 10-Year Treasury, mortgage-backed securities, inflation concerns, oil prices, and the economic headlines that matter to homebuyers, homeowners, and real estate professionals.Every weekday at 9AM, we go live to look at the market data behind mortgage rates — not hype, not guessing, just plain-English analysis of what is moving the market and why it matters.Today’s video:https://youtube.com/live/Cy3CqRURnUYCHAPTERS00:00 — Opening Bell: Mortgage Rates & Market Setup01:15 — Why Mortgage Rates Move Every Day03:00 — 10-Year Treasury & Bond Market Reaction05:00 — Mortgage-Backed Securities Explained07:00 — Inflation, Oil Prices & Rate Pressure09:30 — What Homebuyers Need to Watch Today12:00 — What Homeowners Should Know About Refinancing14:30 — Real Estate Market Takeaways16:30 — Final Thoughts & Next StepsWHAT WE COVER LIVE EACH MORNING• Mortgage rates today• The 10-Year Treasury• Mortgage-backed securities• Inflation data• Jobs reports• Federal Reserve expectations• Oil prices• Stock market movement• Housing and real estate news• Economic headlines that may impact mortgage ratesMy goal is simple: help you understand what’s happening, why it matters, and how it may affect your next move as a buyer, homeowner, or real estate professional.No hype. No guessing. Just real market data explained in plain English.🔗 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/contactTOP 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-Foundations📊 Credit Monitoringhttps://www.smartcredit.com/?PID=42980📈 Free Credit Scoreshttps://www.creditkarma.com/lp/free-credit-scores-v12aff?adcopy=0&adcampaign=core_acq_awin— DISCLAIMER —This channel is independently owned and operated by Dan Frio and is provided for educational and informational purposes only. Content may discuss real estate, mortgage rates, housing, stocks, bonds, cryptocurrency, economic news, and related financial topics.Dan Frio is a licensed mortgage loan officer in all 50 states and Puerto Rico, NMLS #246527, with TRU Mortgage Team / PBT Bancorp, NMLS #257781, an Equal Housing Lender. However, all opinions expressed on this channel are solely those of Dan Frio and do not necessarily reflect the views, policies, or positions of PBT Bancorp, its affiliates, or any other institution Dan may be associated with.Nothing in any video, description, comment, calculator, tool, email, website, livestream, or linked content should be considered an offer to lend, a commitment to lend, financial advice, legal advice, tax advice, investment advice, or a guarantee of loan approval, rate, payment, savings, or program eligibility.Mortgage approvals, loan terms, interest rates, down payment requirements, payments, savings illustrations, and program availability are subject to change without notice and depend on borrower qualifications, property details, underwriting approval, appraisal, title review, investor guidelines, and applicable lending requirements.Use of this channel, watching videos, commenting, messaging, scheduling, or submitting information does not create a client relationship. All examples are for demonstration purposes only and should be independently verified. Not all borrowers will qualify.TRU Mortgage Team / PBT Bancorp NMLS #257781 Dan Frio NMLS #246527 Equal Housing Lender
    Show More Show Less
    15 mins
  • S2025 Ep322: Mortgage Rates Just Hit a Critical Week — Jobs, Inflation & What Buyers Should Expect Next

    S2025 Ep322: Mortgage Rates Just Hit a Critical Week — Jobs, Inflation & What Buyers Should Expect Next
    May 8 2026
    Mortgage Rates Just Hit a Critical Week — Jobs, Inflation & What Buyers Should Expect Next🔗 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/contactMORTGAGE RATES, JOBS DATA & NEXT WEEK’S INFLATION REPORTSMortgage rates are entering a critical week.This week gave us fresh jobs data. Next week brings key inflation reports. And between those two, the bond market may decide whether mortgage rates get some relief — or stay stuck in this affordability squeeze.Why does this matter?Because mortgage rates are not only about the Fed. They are also about inflation, the 10-Year Treasury, mortgage-backed securities, and what investors believe is coming next.In today’s live event, we break down:✅ What happened with mortgage rates this week✅ Why jobs data matters to the bond market✅ What the Fed is watching right now✅ Why next week’s inflation reports could move rates✅ How CPI and PPI affect mortgage rates✅ What this means for homebuyers and homeowners✅ Why affordability is still the biggest challenge✅ What to watch before locking, buying, or refinancingMost people do not care about CPI, PPI, payrolls, or Treasury yields.But they do care when the same house costs hundreds more per month because rates moved.The rate gets the headline.The payment tells the truth.No hype. Just real data — and what it means for your payment.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-Foundations📊 Credit Monitoring — SmartCredithttps://www.smartcredit.com/?PID=42980📈 Free Credit Scores — Credit Karmahttps://www.creditkarma.com/lp/free-credit-scores-v12aff?adcopy=0&adcampaign=core_acq_awinCHAPTERS00:00 Mortgage Rates Just Hit a Critical Week00:45 Why Jobs Data Matters02:05 The Bond Market Reaction03:20 Why the 10-Year Treasury Matters04:35 Inflation Reports Coming Next Week05:55 CPI, PPI and Mortgage Rates07:20 What the Fed Is Watching08:50 What This Means for Homebuyers10:15 What Homeowners Should Watch11:40 Affordability Reality Check12:45 Final Thoughts and Next StepsWORK WITH ME📅 Schedule a Consultationhttps://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05📝 Apply for a Mortgage30+ Lenders • 1 Credit Pullhttps://257781.my1003app.com/246527/register📨 Contact / Ask Danhttps://www.therateupdate.com/contactFOLLOW THE RATE UPDATEYouTube → https://www.youtube.com/@TheRateUpdatewithDanFrioInstagram → https://instagram.com/therateupdateTikTok → https://tiktok.com/@therateupdate— DISCLAIMER —Dan Frio is a licensed mortgage loan officer in all 50 states and Puerto Rico, NMLS #246527, with TRU Mortgage Team / PBT Bancorp, NMLS #257781, an Equal Housing Lender.This content is for educational and informational purposes only and is not an offer to lend, commitment to lend, or financial, legal, tax, or investment advice.Mortgage approvals, rates, terms, payments, and program availability are subject to borrower qualifications, underwriting approval, market conditions, and current lending guidelines.All opinions are solely those of Dan Frio and do not necessarily reflect the views of PBT Bancorp or its affiliates.Examples, payment scenarios, savings illustrations, calculators, and comparisons are for demonstration purposes only and should be independently verified. Not all borrowers will qualify. Equal Housing Lender.TRU Mortgage Team / PBT BancorpNMLS #257781Dan Frio NMLS #246527Equal Housing Lender
    Show More Show Less
    26 mins