Episodes

  • 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
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    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
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    26 mins
  • S2025 Ep321: Why the Fed Can't Cut Rates (Even Though Everyone Wants Them To)

    S2025 Ep321: Why the Fed Can't Cut Rates (Even Though Everyone Wants Them To)
    May 8 2026
    99% chance of NO Fed rate cut?In today’s video, we break down why the Federal Reserve may not be ready to cut interest rates — even though homebuyers, homeowners, and the housing market are all waiting for relief.The big issue: the economy is still too strong, inflation is still too sticky, and the Fed does not want to cut too early and risk reigniting inflation.That matters because the Fed does NOT directly set mortgage rates — but Fed policy, inflation, the 10-Year Treasury, and mortgage bonds all help drive where mortgage rates move next.So if you’re waiting for mortgage rates to drop before buying a home or refinancing, this is the data you need to understand.Watch here:https://youtu.be/mXfhEySRie8🔗 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_awinVIDEO CHAPTERS00:00 Why everyone wants the Fed to cut rates 00:45 The 99% no-rate-cut setup 01:35 Why the Fed may stay on hold 02:40 Inflation is still the problem 03:45 Why a strong economy can keep rates higher 04:55 How the 10-Year Treasury impacts mortgage rates 06:10 What mortgage bonds are telling us 07:20 What this means for homebuyers 08:30 What this means for homeowners waiting to refinance 09:45 Should you wait for lower rates? 11:00 How to monitor your opportunity 12:00 Final thoughts and next steps Welcome to The Rate Update with Dan Frio.I break down mortgage rates, housing, inflation, Treasury yields, Federal Reserve policy, and the economic news that impacts homebuyers, homeowners, real estate professionals, and anyone watching the housing market.My goal is simple: help you understand what’s happening, why it matters, and what you should do next.On this channel, you’ll find content about mortgage rates, housing market updates, refinance opportunities, homebuying strategies, inflation, Federal Reserve news, Treasury and bond market movements, and tools to help you make smarter mortgage decisions.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/@TheRateUpdatewithDanFrio Instagram → https://instagram.com/therateupdate TikTok → https://tiktok.com/@therateupdate— DISCLAIMER —Dan Frio is a licensed mortgage loan officer in all 50 states and Puerto Rico, NMLS #246527, with TRU Mortgage Team / PBT Bancorp, NMLS #257781, an Equal Housing Lender.This channel and all content 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 credit score, income, assets, employment, property type, occupancy, appraisal, title, underwriting approval, and current lending guidelines.All opinions expressed are solely those of Dan Frio and do not necessarily reflect the views of PBT Bancorp, its affiliates, or any other institution.Use of this channel, watching videos, commenting, messaging, scheduling a consultation, or submitting information does not create a client relationship. All examples, payment scenarios, savings illustrations, and mortgage comparisons are for demonstration purposes only and should be independently verified.Not all borrowers will qualify. Equal Housing Lender.TRU Mortgage Team / PBT Bancorp NMLS #257781 Dan Frio NMLS #246527 Equal Housing Lender
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    10 mins
  • S2025 Ep320: Your Mortgage Rate Depends on This—And It's Not What You Think

    S2025 Ep320: Your Mortgage Rate Depends on This—And It's Not What You Think
    May 7 2026
    Oil is dropping — and that could be a big deal for mortgage rates.In today’s Rate Update, we’re looking at why oil prices matter so much for homebuyers and homeowners watching mortgage rates.Oil is one of the biggest inflation pressure points in the economy. When oil spikes, inflation fears can rise, bond yields can move higher, and mortgage rates can feel the pressure. But when oil starts falling, the opposite can happen — inflation pressure may cool, bonds may improve, and mortgage rates may get some relief.Mortgage rates dropped yesterday, and now the big question is whether this is the start of a bigger move lower or just a short-term reaction.Today we’re watching oil, the 10-Year Treasury, mortgage-backed securities, jobs data, and the broader market reaction.If oil keeps sliding back toward the $60–$65 range, mortgage rates may have room to follow lower. But if jobs data comes in too strong or inflation pressure stays sticky, that could slow down the move.For homebuyers, this is why preparation matters. For homeowners, this is why tracking refinance opportunities matters. The market can move quickly — and understanding what drives mortgage rates can help you make better decisions.CHAPTERS00:00 Mortgage rates are reacting to oil00:42 Why oil matters for mortgage rates01:35 Oil prices are falling02:28 The inflation connection homeowners need to understand03:20 Mortgage rates dropped yesterday04:05 Can rates move back toward the high-5s?05:05 Today’s economic data to watch06:00 Jobs, claims, payrolls, and bond market reaction07:05 What homebuyers should do right now08:00 What homeowners watching refinance rates should know08:40 Final takeaway: watch oil, bonds, and rates🔗 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 → https://www.smartcredit.com/?PID=42980📈 Free Credit Scores → 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 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 insightsWORK 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 channel and all content published by Dan Frio are for educational and informational purposes only. Nothing in this video, description, comments, calculators, tools, emails, websites, or linked content should be considered 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.Use of this channel, watching videos, commenting, messaging, scheduling, 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
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    9 mins
  • S2025 Ep319: Buying a Home in 2026? Run Your Numbers Before You Shop

    S2025 Ep319: Buying a Home in 2026? Run Your Numbers Before You Shop
    May 6 2026

    **How Much House Can You Really Afford? This App Makes It Easy | LIVE**

    Welcome to **The Rate Update with Dan Frio**.

    Today, we’re revealing the **TRU Home Buyer Power App** — a tool built to help homebuyers and homeowners cut through the confusion and figure out what they may really afford.

    In this live event, I’ll walk you through how the app helps you:

    * estimate your buying power
    * compare loan options
    * review possible monthly payments
    * take the next best step with more confidence

    If you’ve been frustrated by all the online calculators that throw numbers at you but don’t really help, this tool was built for you.

    **Watch Live Here:**
    https://youtube.com/live/xza7zQlGOt4

    **Try the TRU Home Buyer Power App:**
    https://truhomebuyerapp.lovable.app/

    **What we’ll cover today:**

    * How much house you may really afford
    * What loan program may fit you best
    * What your monthly payment could look like
    * Why most online calculators miss the mark
    * How to use the app step by step

    This tool is designed to make the home buying process easier, clearer, and more practical for real people trying to make smart decisions.

    **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

    💳 Find Out Your True Mortgage Credit Score
    https://credit.advcredit.com/smartpay/SmartPay.aspx?uid=3da4af6a-e52d-4af8-be79-9a71e9409a97#forward

    📊 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 real-time mortgage rate updates, housing market news, and strategies to help you buy smarter.

    #HomeBuyer #FirstTimeHomeBuyer #MortgageTips #HomeAffordability #RealEstate #MortgageRates #TheRateUpdate
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    18 mins
  • S2025 Ep318: Mortgage Rates SET TO PLUNGE Today as Oil Crashes on Iran Peace Hopes

    S2025 Ep318: Mortgage Rates SET TO PLUNGE Today as Oil Crashes on Iran Peace Hopes
    May 6 2026
    🔗 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 COULD PLUNGE TODAY — HERE’S WHYOil prices are crashing on hopes that the Iran conflict may be nearing a resolution — and that could be a major turning point for mortgage rates.Why does this matter?Because when oil spikes, inflation fears rise.When inflation fears rise, bond yields usually move higher.And when the 10-Year Treasury and mortgage-backed securities get hit, mortgage rates often move higher too.But today, the opposite may be happening.Oil is falling.Treasury yields are dropping.Bond markets are rallying.And mortgage rates may get a second chance to improve.For homebuyers, this could mean better affordability.For homeowners, this could reopen refinance conversations.And for anyone who thought they missed their chance, today’s market move could be the reminder that mortgage rates can change fast.In today’s video, I break down:✅ Why oil prices matter to mortgage rates✅ How Iran peace hopes are affecting the bond market✅ Why the 10-Year Treasury is so important✅ What this could mean for homebuyers✅ What homeowners should watch before refinancing✅ Why this is NOT the time to guess — it’s the time to monitor your numbersNo hype. Just real data.📉 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 Could Plunge Today00:45 Why Oil Prices Are Crashing02:05 How Iran Peace Hopes Hit the Market03:20 Why Oil Matters to Inflation04:35 The 10-Year Treasury Connection05:55 What This Means for Mortgage Rates07:20 Homebuyers: Did You Get a Second Chance?08:50 Homeowners: Should You Watch for a Refinance?10:15 Lock or Float? What to Consider11:40 Why You Need RateWatch12:45 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 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
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    11 mins
  • S2025 Ep317: The Rate Update —Mortgage Rates About To Spike? Here's What's Coming

    S2025 Ep317: The Rate Update —Mortgage Rates About To Spike? Here's What's Coming
    May 5 2026
    Mortgage rates are under pressure again — and this time the trigger is bigger than just the Fed.In today’s video, I break down why the mortgage market just got dangerous, how rising oil prices, Iran / Strait of Hormuz tensions, inflation fears, the 10-Year Treasury, and mortgage-backed securities are all working together to push rates higher.If you’re buying a home, refinancing, or trying to decide whether to lock or float, this is the kind of market you need to understand before making a move.Today we cover:• Why mortgage rates are moving higher• What the MBS / mortgage bond chart is telling us• How oil prices impact inflation and mortgage rates• Why Iran and the Strait of Hormuz matter to U.S. homebuyers• What the 10-Year Treasury is signaling• Why strong corporate earnings may not automatically help rates• Whether today’s market favors locking or floating• What homeowners and buyers should watch nextThe big takeaway: mortgage rates do not move just because of the Fed. They move because of the bond market — and right now the bond market is watching oil, inflation, war risk, economic data, and Treasury yields.If you are closing soon, this is not a lazy float market. If you are shopping for a home or considering a refinance, make sure you understand the numbers before you make a decision.🔗 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#MortgageRates #MortgageRatesToday #HousingMarket #HomeBuying #Refinance #InterestRates — 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 ...
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    9 mins
  • S2025 Ep316: Special Report: Mortgage Rates Jump After Iran Ceasefire — Lock Now or Float?

    S2025 Ep316: Special Report: Mortgage Rates Jump After Iran Ceasefire — Lock Now or Float?
    May 4 2026

    Breaking News Special Report: Mortgage rates are moving fast as Middle East tensions flare again. The Dow is dropping, oil prices are spiking, and new reports say the Iran ceasefire is already in doubt after missiles were detected from Iran. We’ll break down what this means for the 10-Year Treasury, mortgage-backed securities, oil-driven inflation fears, and whether homebuyers and homeowners should consider locking now or floating if they’re closing soon.

    Today’s question: Is this just temporary market panic — or the start of another move higher in mortgage rates?
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    14 mins