The Mortgage Update with Dan Frio Podcast

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.

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

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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 guessingIf 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.

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

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.

Mortgage Rates Just Hit a Critical Week — Jobs, Inflation & What Buyers Should Expect Next