Every day, we pull real pricing from 30+ lenders to show what you actually qualify for — plus lock vs. float guidance and a clear breakdown of the Fed, CPI, Jobs, MBS, and the 10-Year Treasury.

Transparent. Data-driven. No hype.

🔔 Get Your Rate & Tools

RateWatch 2.0
Get alerts when your target rate hits
👉 https://TheRateUpdate.com/ratewatch

Free Strategy Call
Talk through your options — no pressure
👉 https://shorturl.at/SCIGL

Ask Dan a Mortgage Question
Submit your scenario for a future show
👉 https://TheRateUpdate.com/ask-dan

Apply — One App • One Credit Pull • 30+ Lenders
👉 https://257781.my1003app.com/246527/register

🧮 Calculators

Affordability Calculator
What price range actually makes sense?
👉 https://friodan.gumroad.com/l/lyxvnp

Refinance & Debt Consolidation Analyzer
Lower payments, consolidate debt, or both
👉 https://friodan.gumroad.com/l/ovwvug

Refinance Savings Calculator
See how much you could save by refinancing
👉 https://friodan.gumroad.com/l/rjtvn

Cost of Refinancing Calculator
Break down closing costs, breakeven, and true ROI
👉 https://friodan.gumroad.com/l/tgvrz

📺 Follow The Rate Update

YouTube — https://www.youtube.com/@TheRateUpdate

Instagram — https://instagram.com/therateupdate

TikTok — https://tiktok.com/@therateupdate

Facebook — https://facebook.com/therateupdate

LinkedIn — https://www.linkedin.com/in/danfrio

X (Twitter) — https://twitter.com/therateupdate

⚖️ Compliance

Dan Frio | NMLS #246527
Equal Housing Lender | TRU Mortgage Team / PBT Bancorp

The views expressed are solely those of the host and do not represent PBT Bancorp or its affiliates.
Educational & entertainment purposes only — not financial, legal, or investment advice.

Every day, we pull real pricing from 30+ lenders to show what you actually qualify for — plus lock vs. float guidance and a clear breakdown of the Fed, CPI, Jobs, MBS, and the 10-Year Treasury.

Transparent. Data-driven. No hype.

🔔 Get Your Rate & Tools

RateWatch 2.0
Get alerts when your target rate hits
👉 https://TheRateUpdate.com/ratewatch

Free Strategy Call
Talk through your options — no pressure
👉 https://shorturl.at/SCIGL

Ask Dan a Mortgage Question
Submit your scenario for a future show
👉 https://TheRateUpdate.com/ask-dan

Apply — One App • One Credit Pull • 30+ Lenders
👉 https://257781.my1003app.com/246527/register

🧮 Calculators

Affordability Calculator
What price range actually makes sense?
👉 https://friodan.gumroad.com/l/lyxvnp

Refinance & Debt Consolidation Analyzer
Lower payments, consolidate debt, or both
👉 https://friodan.gumroad.com/l/ovwvug

Refinance Savings Calculator
See how much you could save by refinancing
👉 https://friodan.gumroad.com/l/rjtvn

Cost of Refinancing Calculator
Break down closing costs, breakeven, and true ROI
👉 https://friodan.gumroad.com/l/tgvrz

📺 Follow The Rate Update

YouTube — https://www.youtube.com/@TheRateUpdate

Instagram — https://instagram.com/therateupdate

TikTok — https://tiktok.com/@therateupdate

Facebook — https://facebook.com/therateupdate

LinkedIn — https://www.linkedin.com/in/danfrio

X (Twitter) — https://twitter.com/therateupdate

⚖️ Compliance

Dan Frio | NMLS #246527
Equal Housing Lender | TRU Mortgage Team / PBT Bancorp

The views expressed are solely those of the host and do not represent PBT Bancorp or its affiliates.
Educational & entertainment purposes only — not financial, legal, or investment advice.

The Rate Update — Live Mortgage Rates & Market Breakdown

Stop guessing from headlines.
Every day we pull real pricing from 30+ lenders to show what you actually qualify for — plus lock vs. float guidance and a clear breakdown of Fed, CPI, Jobs, MBS, and the 10-Year Treasury.

Transparent. Data-driven. No hype.

🔔 Get Your Rate & Tools
RateWatch 2.0 (alerts when your target rate hits)
👉 https://TheRateUpdate.com/ratewatch

Free Strategy Call
👉 https://shorturl.at/SCIGL

Ask Dan a Mortgage Question
👉 https://TheRateUpdate.com/ask-dan

Apply — One App • One Credit Pull • 30+ Lenders
👉 https://257781.my1003app.com/246527/register

🧮 Calculators
Affordability
👉 https://friodan.gumroad.com/l/lyxvnp

Refinance & Debt Consolidation
👉 https://friodan.gumroad.com/l/ovwvug

Cost-of-Waiting™
👉 https://friodan.gumroad.com/l/rjtvn

📺 Follow The Rate Update
YouTube — https://www.youtube.com/@TheRateUpdate
Instagram — https://instagram.com/therateupdate
TikTok — https://tiktok.com/@therateupdate
Facebook — https://facebook.com/therateupdate
LinkedIn — https://www.linkedin.com/in/danfrio— https://twitter.com/therateupdate

⚖️ Compliance

Dan Frio | NMLS #246527
Equal Housing Lender | TRU Mortgage Team / PBT Bancorp

The views expressed are solely those of the host and do not represent PBT Bancorp or its affiliates.
Educational & entertainment purposes only — not financial, legal, or investment advice.

The Rate Update — Live Mortgage Rates & Market Breakdown

Stop guessing from headlines.
Every day we pull real pricing from 30+ lenders to show what you actually qualify for — plus lock vs. float guidance and a clear breakdown of Fed, CPI, Jobs, MBS, and the 10-Year Treasury.

Transparent. Data-driven. No hype.

🔔 Get Your Rate & Tools
RateWatch 2.0 (alerts when your target rate hits)
👉 https://TheRateUpdate.com/ratewatch

Free Strategy Call
👉 https://shorturl.at/SCIGL

Ask Dan a Mortgage Question
👉 https://TheRateUpdate.com/ask-dan

Apply — One App • One Credit Pull • 30+ Lenders
👉 https://257781.my1003app.com/246527/register

🧮 Calculators
Affordability
👉 https://friodan.gumroad.com/l/lyxvnp

Refinance & Debt Consolidation
👉 https://friodan.gumroad.com/l/ovwvug

Cost-of-Waiting™
👉 https://friodan.gumroad.com/l/rjtvn

0:00 Introduction — What Happened to Mortgage Rates
0:20 Why This Isn’t About Tariffs
0:50 Global Bond Market Impact
1:40 Japan’s Bond Sell-Off Explained
3:00 How This Affects U.S. Treasury Yields
4:15 Mortgage Rates and MBS Link
5:30 Market Reaction & News Headlines
6:15 What This Means for Homebuyers
6:50 Wrap Up & Takeaways

📺 Follow The Rate Update
YouTube — https://www.youtube.com/@TheRateUpdate
Instagram — https://instagram.com/therateupdate
TikTok — https://tiktok.com/@therateupdate
Facebook — https://facebook.com/therateupdate
LinkedIn — https://www.linkedin.com/in/danfrio— https://twitter.com/therateupdate

⚖️ Compliance

Dan Frio | NMLS #246527
Equal Housing Lender | TRU Mortgage Team / PBT Bancorp

The views expressed are solely those of the host and do not represent PBT Bancorp or its affiliates.
Educational & entertainment purposes only — not financial, legal, or investment advice.

The Rate Update — Live Mortgage Rates & Market Breakdown

Stop guessing from headlines.
Every day we pull real pricing from 30+ lenders to show what you actually qualify for — plus lock vs. float guidance and a clear breakdown of Fed, CPI, Jobs, MBS, and the 10-Year Treasury.

Transparent. Data-driven. No hype.

🔔 Get Your Rate & Tools
RateWatch 2.0 (alerts when your target rate hits)
👉 https://TheRateUpdate.com/ratewatch

Free Strategy Call
👉 https://shorturl.at/SCIGL

Ask Dan a Mortgage Question
👉 https://TheRateUpdate.com/ask-dan

Apply — One App • One Credit Pull • 30+ Lenders
👉 https://257781.my1003app.com/246527/register

🧮 Calculators
Affordability
👉 https://friodan.gumroad.com/l/lyxvnp

Refinance & Debt Consolidation
👉 https://friodan.gumroad.com/l/ovwvug

Cost-of-Waiting™
👉 https://friodan.gumroad.com/l/rjtvn

0:00 – Introduction / What This Video Covers
0:45 – ADP Payroll Report Explained (8,000 Jobs)
1:50 – What Weak Jobs Data Means for the Economy
3:15 – Tariffs and Supreme Court Context
4:45 – Why the Supreme Court Decision Matters Now
5:30 – How Tariffs Influence the Bond Market
6:45 – Connection to Mortgage Rates & Homeowners
7:30 – Summary & Final Thoughts

📺 Follow The Rate Update
YouTube — https://www.youtube.com/@TheRateUpdate
Instagram — https://instagram.com/therateupdate
TikTok — https://tiktok.com/@therateupdate
Facebook — https://facebook.com/therateupdate
LinkedIn — https://www.linkedin.com/in/danfrio— https://twitter.com/therateupdate

⚖️ Compliance

Dan Frio | NMLS #246527
Equal Housing Lender | TRU Mortgage Team / PBT Bancorp

The views expressed are solely those of the host and do not represent PBT Bancorp or its affiliates.
Educational & entertainment purposes only — not financial, legal, or investment advice.

The Rate Update — Live Mortgage Rates & Market Breakdown

Stop guessing from headlines.
Every day we pull real pricing from 30+ lenders to show what you actually qualify for — plus lock vs. float guidance and a clear breakdown of Fed, CPI, Jobs, MBS, and the 10-Year Treasury.

Transparent. Data-driven. No hype.

🔔 Get Your Rate & Tools
RateWatch 2.0 (alerts when your target rate hits)
👉 https://TheRateUpdate.com/ratewatch

Free Strategy Call
👉 https://shorturl.at/SCIGL

Ask Dan a Mortgage Question
👉 https://TheRateUpdate.com/ask-dan

Apply — One App • One Credit Pull • 30+ Lenders
👉 https://257781.my1003app.com/246527/register

🧮 Calculators
Affordability
👉 https://friodan.gumroad.com/l/lyxvnp

Refinance & Debt Consolidation
👉 https://friodan.gumroad.com/l/ovwvug

Cost-of-Waiting™
👉 https://friodan.gumroad.com/l/rjtvn

📺 Follow The Rate Update
YouTube — https://www.youtube.com/@TheRateUpdate
Instagram — https://instagram.com/therateupdate
TikTok — https://tiktok.com/@therateupdate
Facebook — https://facebook.com/therateupdate
LinkedIn — https://www.linkedin.com/in/danfrio— https://twitter.com/therateupdate

⚖️ Compliance

Dan Frio | NMLS #246527
Equal Housing Lender | TRU Mortgage Team / PBT Bancorp

The views expressed are solely those of the host and do not represent PBT Bancorp or its affiliates.
Educational & entertainment purposes only — not financial, legal, or investment advice.

The Rate Update — Live Mortgage Rates & Market Breakdown

Stop guessing from headlines.
Every day we pull real pricing from 30+ lenders to show what you actually qualify for — plus lock vs. float guidance and a clear breakdown of Fed, CPI, Jobs, MBS, and the 10-Year Treasury.

Transparent. Data-driven. No hype.

🔔 Get Your Rate & Tools
RateWatch 2.0 (alerts when your target rate hits)
👉 https://TheRateUpdate.com/ratewatch

Free Strategy Call
👉 https://shorturl.at/SCIGL

Ask Dan a Mortgage Question
👉 https://TheRateUpdate.com/ask-dan

Apply — One App • One Credit Pull • 30+ Lenders
👉 https://257781.my1003app.com/246527/register

🧮 Calculators
Affordability
👉 https://friodan.gumroad.com/l/lyxvnp

Refinance & Debt Consolidation
👉 https://friodan.gumroad.com/l/ovwvug

Cost-of-Waiting™
👉 https://friodan.gumroad.com/l/rjtvn

📺 Follow The Rate Update
YouTube — https://www.youtube.com/@TheRateUpdate
Instagram — https://instagram.com/therateupdate
TikTok — https://tiktok.com/@therateupdate
Facebook — https://facebook.com/therateupdate
LinkedIn — https://www.linkedin.com/in/danfrio— https://twitter.com/therateupdate

⚖️ Compliance

Dan Frio | NMLS #246527
Equal Housing Lender | TRU Mortgage Team / PBT Bancorp

The views expressed are solely those of the host and do not represent PBT Bancorp or its affiliates.
Educational & entertainment purposes only — not financial, legal, or investment advice.

The Rate Update — Live Mortgage Rates & Market Breakdown

Stop guessing from headlines.
Every day we pull real pricing from 30+ lenders to show what you actually qualify for — plus lock vs. float guidance and a clear breakdown of Fed, CPI, Jobs, MBS, and the 10-Year Treasury.

Transparent. Data-driven. No hype.

🔔 Get Your Rate & Tools
RateWatch 2.0 (alerts when your target rate hits)
👉 https://TheRateUpdate.com/ratewatch

Free Strategy Call
👉 https://shorturl.at/SCIGL

Ask Dan a Mortgage Question
👉 https://TheRateUpdate.com/ask-dan

Apply — One App • One Credit Pull • 30+ Lenders
👉 https://257781.my1003app.com/246527/register

🧮 Calculators
Affordability
👉 https://friodan.gumroad.com/l/lyxvnp

Refinance & Debt Consolidation
👉 https://friodan.gumroad.com/l/ovwvug

Cost-of-Waiting™
👉 https://friodan.gumroad.com/l/rjtvn

📺 Follow The Rate Update
YouTube — https://www.youtube.com/@TheRateUpdate
Instagram — https://instagram.com/therateupdate
TikTok — https://tiktok.com/@therateupdate
Facebook — https://facebook.com/therateupdate
LinkedIn — https://www.linkedin.com/in/danfrio— https://twitter.com/therateupdate

⚖️ Compliance

Dan Frio | NMLS #246527
Equal Housing Lender | TRU Mortgage Team / PBT Bancorp

The views expressed are solely those of the host and do not represent PBT Bancorp or its affiliates.
Educational & entertainment purposes only — not financial, legal, or investment advice.