The Mortgage Update with Dan Frio Podcast

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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

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

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

**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 confidenceIf 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 stepThis tool is designed to make the home buying process easier, clearer, and more practical for real people trying to make smart decisions.**NEXT STEPS**

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.

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?

Join us live for our Weekly Mortgage Rate Watch — a quick recap of what moved mortgage rates this week and what homeowners and homebuyers should watch next week. We'll break down the Fed, inflation, oil, global events, housing news, and bond market signals in plain English so you can make smarter decisions about buying, refinancing, or waiting.https://www.therateupdate.com/blog/why-illinois-became-the-perfect-example-of-gerrymandering-in-americaNo hype. Just real data — and what it means for your mortgage.

Mortgage rates are not getting much help from the Federal Reserve right now.This week, the Fed held rates steady again — and with inflation coming in around 3.5% while the Fed's long-term target is still 2%, the message is pretty clear:Rate cuts are not likely coming soon.So what does that mean for homebuyers, homeowners, and anyone waiting for mortgage rates to drop?In this video, I break down what happened this week, why inflation matters so much to mortgage rates, why the Fed is staying patient, and why mortgage rates may stay higher or flatter for a while.More importantly, we'll talk about what you should actually do next — whether you're buying a home, thinking about refinancing, or just trying to understand when rates may finally improve.No hype. No panic. Just real data and practical advice.CHAPTERS00:00 Mortgage rates and the big question this week00:35 The Federal Reserve holds rates steady01:20 Why inflation at 3.5% changes the outlook02:10 The Fed wants 2% inflation — and we are not there yet03:00 Why rate cuts are unlikely right now03:55 What this means for mortgage rates04:45 Could rates stay flat for a while?05:35 What homebuyers should do next06:25 What homeowners and refinancers should watch07:15 Final takeaway: don't wait without a plan

Fed Governor Powell Does NOT Step Down — What Next for the Fed, Mortgage Rates, Homebuyers & Homeowners?No he didn't.Jerome Powell is stepping down as Federal Reserve chairman — but he is not leaving the Federal Reserve.In this video, I break down Powell's rare decision to remain on the Federal Reserve Board of Governors after his chair term ends, why this matters for Fed independence, what it could mean for the next Fed chair, and how the bond market may react.And most importantly — what does this mean for mortgage rates, homebuyers, homeowners, and anyone waiting for rates to finally move lower?The Fed just held interest rates steady again, inflation remains a concern, energy prices are pressuring the economy, and the market is trying to figure out whether rate cuts are still coming — or whether mortgage rates could stay higher for longer.Today we're covering:Why Powell is stepping down as chair but staying at the FedWhy this is historically rareWhat this means for the next Fed chairHow markets may reactWhy mortgage rates do not follow the Fed directlyWhat homebuyers and homeowners should watch nextWhether this changes the outlook for rate cuts and refinance opportunitiesThe big question now:Does Powell staying at the Fed create stability — or more uncertainty for mortgage rates?No hype. Just real data.Chapters00:00 No He Didn't — Powell Is Not Leaving the Fed00:35 Powell Steps Down as Chair, But Stays as Governor01:25 Why This Fed Move Is Historically Rare02:20 What Powell Said About Not Being a “Shadow Chair”03:15 Why Fed Independence Is the Bigger Story04:20 What This Means for the Next Fed Chair05:30 The Fed Holds Rates Steady Again06:35 Inflation, Oil Prices, and the Fed's Problem07:45 Why Mortgage Rates Don't Follow the Fed Directly08:55 Treasury Yields, Bonds, and Market Reaction10:05 What Homebuyers Should Watch Next11:15 What Homeowners and Refinancers Should Do Now12:25 Final Takeaway: Stability or More Rate Uncertainty?

The Federal Reserve is expected to hold interest rates steady, but the real story is what they say next.In this live event, we'll break down the Fed decision, Chairman Powell's comments, inflation risks, oil prices, bond market reaction, and what all of it could mean for mortgage rates.For homebuyers, this could impact affordability, monthly payments, and whether it makes sense to lock or float. For homeowners, it could affect refinance opportunities, home equity decisions, and when to watch for a better rate.Join us live as we translate the Fed's message into plain English — no hype, just what it means for your mortgage strategy.

The Rate Update — Here's Why the Fed Can't Cut Rates (Yet)The Federal Reserve meets today — and the big question for homeowners and homebuyers is simple:Why can't the Fed cut rates yet?Even if inflation is cooling in some areas, the Fed still has a problem. Core inflation, mortgage rates, Treasury yields, oil prices, jobs data, and market expectations all matter. And today may be especially important because this could be one of Jerome Powell's final Fed meetings as Chair.In this episode, we break down what the Fed is likely to do, what Powell may say after the meeting, why the market may move more on his press conference than the rate decision itself, and what it could mean for mortgage rates, homebuyers, homeowners, and anyone trying to decide whether to lock, float, buy, wait, or refinance.Today's key question:

Mortgage rates are starting the week near recent lows — but this could be a major turning point.This week, the Federal Reserve meets, oil prices are back in focus because of Iran headlines, and several major economic reports could move the bond market, Treasury yields, mortgage-backed securities, and ultimately mortgage rates.In today's Rate Update, I break down:✅ Where mortgage rates are right now✅ Why the Federal Reserve announcement matters this week✅ How oil prices and Iran headlines can impact inflation expectations✅ Why inflation is still a key driver for mortgage rates✅ What buyers should consider before locking or floating✅ What homeowners should know if they're waiting to refinanceMortgage rates do not move in a vacuum.They are affected by inflation, Federal Reserve policy, the 10-year Treasury, mortgage-backed securities, oil prices, geopolitical risk, and economic data.So if you're buying, refinancing, or waiting for rates to drop, this is a week where you need to understand the WHY behind the market — not just the headline mortgage rate.CHAPTERS00:00 Mortgage Rates and the Fed This Week00:28 Why This Is a Big Week for Rates01:00 Where Mortgage Rates Are Today01:45 The Command Center: Rates, Bonds, and the 10-Year Treasury02:25 Why Oil and Iran Matter to Mortgage Rates03:15 How Inflation Impacts Mortgage Rates03:50 Federal Reserve Meeting Expectations04:30 Economic Calendar: What Could Move Rates This Week05:25 What Homebuyers Should Watch Before Locking06:05 What Homeowners Should Know About Refinancing06:45 Don't Guess — Track Your Target Rate07:15 Final Thoughts and Next Steps

TRU Rate Update — Fed Rate Decision Could Save—or Sink—Your Mortgage RateWatch here: https://youtu.be/WQLrrZ9eY8cMortgage rates have improved recently — but next week's Federal Reserve decision could determine whether that relief continues… or whether rates move higher again.In today's episode, Dan Frio breaks down what the Fed is facing right now:✅ Mortgage rates have pulled back✅ Inflation is still running hotter than the Fed wants✅ Jobs numbers remain strong✅ GDP and the broader economy are holding up✅ Oil prices and geopolitical risk are adding inflation pressure✅ Homebuyers and homeowners are trying to decide whether to lock, float, buy, refinance, or waitThe big question: Can the Fed help mortgage rates — or will sticky inflation force them to stay cautious?This matters if you are buying a home, refinancing, watching home prices, trying to time the market, or simply trying to understand why mortgage rates are not falling faster.CHAPTERS00:00 Fed Decision Could Save—or Sink—Mortgage Rates00:45 Why Next Week's Fed Meeting Matters02:10 Mortgage Rates Have Improved — But Is It Temporary?03:30 Inflation Is Still the Fed's Biggest Problem05:00 Strong Jobs and GDP Keep Pressure on Rates06:30 Oil Prices and Inflation Risk08:00 Why a Strong Economy Can Hurt Mortgage Rates09:45 What Homebuyers Should Watch Now11:30 What Homeowners and Refinancers Should Do13:00 Lock, Float, Wait, or Monitor?14:30 Final Takeaway: Mortgage Rates Are Still Data-Dependent15:30 Track Your Target Rate Automatically

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Oil markets are stabilizing as the Iran ceasefire cools one of the biggest inflation risks facing mortgage rates right now.In today's episode of The Rate Update, I break down what the Iran ceasefire means for oil prices, why that matters for inflation, how the bond market is reacting, and what it could mean next for mortgage rates, homeowners, and homebuyers.If oil continues to settle down, that could remove some inflation pressure from the market. And when inflation fears ease, Treasury yields and mortgage rates can sometimes follow. That does not guarantee lower rates immediately, but it absolutely shifts the conversation and the outlook.In this video, I cover:- Why oil prices matter to mortgage rates- How Iran and Middle East tensions were affecting inflation fears- Why a ceasefire is helping calm the markets- What the bond market and Treasury yields are telling us now- What this could mean for homebuyers waiting to purchase- What this could mean for homeowners watching refinance opportunities- What to watch next if you're tracking mortgage rates day by dayIf you're a homebuyer, homeowner, realtor, or mortgage professional trying to make sense of where rates may go next, this video will help connect the dots between geopolitics, inflation, Treasury yields, and mortgage pricing.► ► Get Pre-Approved With My Team → https://257781.my1003app.com/246527/register► ► Schedule a Consultation → https://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05► ► Contact / Ask Dan → https://www.therateupdate.com/contactTOP RESOURCES

**The Rate Update — Mortgage Rates Just Changed—Here's What Happens Next**Mortgage rates just changed — but the real question is: **what happens next?**Today we break down the biggest drivers moving the mortgage market right now:* **Retail sales** and what strong consumer spending means for inflation* **Employment numbers** and why a strong labor market can keep pressure on rates* **Corporate earnings** and what they're telling us about the strength of the economy* **Oil prices** and why energy may be the key variable that changes everything nextIf the economy keeps looking strong, the Federal Reserve may have less reason to cut rates quickly. But if oil pushes inflation higher, that could create even more pressure on mortgage rates and affordability.In this episode, I'll show you how all of this ties together — and what it could mean for **home buyers, homeowners, refinancers, and real estate professionals** trying to make smart decisions in this market.If you want help reviewing your options, comparing lenders, or figuring out whether now is the right time to buy or refinance, reach out below.► ► Get Pre-Approved With My Team → https://257781.my1003app.com/246527/register► ► Schedule a Consultation → https://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05► ► Contact / Ask Dan → https://www.therateupdate.com/contact**TOP RESOURCES**

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0:00 Should You Use Your Home to Pay Off Debt?0:42 Your High-Interest Debt Problem1:32 Why Credit Card Interest Crushes You2:28 Can Home Equity Save You Money?3:24 Payment Relief Breakdown4:20 What This Really Costs Over Time5:18 The Biggest Risks to Watch6:22 Who This Strategy Fits Best7:24 When You Should Avoid It8:26 How to Compare the Math9:24 My Final Advice

**Today's Live Event: Behind the Scenes of How We Shop Your Mortgage**Join me live today as I pull back the curtain and show you exactly how we help homebuyers and homeowners find the best loan option without having to apply over and over again.We'll walk through how our process works:✅ **One application**✅ **One credit pull**✅ **30+ lenders compared**Most people don't realize how much mortgage rates, fees, and options can vary from lender to lender. In today's show, I'm going to show you how we compare loan options side by side, what lenders look at, and how we work to find the best solution for each client.If you've ever wondered:* Who really has the best rate?* Do I need to shop multiple lenders myself?* How do I know I'm getting a good deal?* What happens behind the scenes after I apply?This live event is for you.I'll show you how we review your scenario, compare offers from over 30 lenders, and help you make sense of the numbers so you can move forward with confidence.Whether you're buying your first home, refinancing, or just trying to understand how mortgage shopping really works, this will give you an inside look at the process.**Join me live today and see how we do it.**Dan FrioLicensed Mortgage Loan OfficerHelping you understand mortgage rates — and the why behind what's happening.

Welcome to **The Rate Update with Dan Frio**.Here, I break down **mortgage rates, housing, inflation, the Federal Reserve, Treasury yields, and the economic news that impacts homebuyers, homeowners, and anyone thinking about refinancing**.My goal is simple: help you understand **what's happening, why it matters, and what it could mean for your next move**.Whether you're buying your first home, refinancing your current mortgage, tracking the housing market, or just trying to make sense of today's financial headlines, you're in the right place.

Welcome to **The Rate Update with Dan Frio**.Here, I break down **mortgage rates, housing, inflation, the Federal Reserve, Treasury yields, and the economic news that impacts homebuyers, homeowners, and anyone thinking about refinancing**.My goal is simple: help you understand **what's happening, why it matters, and what it could mean for your next move**.Whether you're buying your first home, refinancing your current mortgage, tracking the housing market, or just trying to make sense of today's financial headlines, you're in the right place.

Consumer prices just came in at 3.3%, and the driver is clear — energy.Oil surged from $60 to $110 amid rising tensions tied to the Iran conflict.But here's the real question…

Consumer prices just came in at 3.3%, and the driver is clear — energy.Oil surged from $60 to $110 amid rising tensions tied to the Iran conflict.But here's the real question…

Hey — Dan Frio here, licensed mortgage loan officer in all 50 states and Puerto Rico.My goal is simple: help you understand mortgage rates — and more importantly, the WHY behind what's happening.

Hey — Dan Frio here, licensed mortgage loan officer in all 50 states and Puerto Rico.My goal is simple: help you understand mortgage rates — and more importantly, the WHY behind what's happening.

Hey — Dan Frio here, licensed mortgage loan officer in all 50 states and Puerto Rico.My goal is simple: help you understand mortgage rates — and more importantly, the WHY behind what's happening.

We're breaking down the rising tension between the U.S. and Iran—and what it could mean for the global economy, oil prices, and most importantly… mortgage rates.Is this heading toward escalation, or a deal?Because what happens next could trigger a chain reaction:

Hey — Dan Frio here, licensed mortgage loan officer in all 50 states and Puerto Rico.My goal is simple: help you understand mortgage rates — and more importantly, the WHY behind what's happening.Today we break down WHY and answer the big question:

Hey — Dan Frio here, licensed mortgage loan officer in all 50 states and Puerto Rico.My goal is simple: help you understand mortgage rates — and more importantly, the WHY behind what's happening.Today we break down WHY and answer the big question:

Hey — Dan Frio here, licensed mortgage loan officer in all 50 states and Puerto Rico.My goal is simple: help you understand mortgage rates — and more importantly, the WHY behind what's happening.Today we break down WHY and answer the big question:

Join me LIVE today as we break down what just happened in the mortgage and financial markets this week — and more importantly, what to expect next week.If you're buying, refinancing, or waiting… this is a must-watch.

Join me LIVE today as we break down what just happened in the mortgage and financial markets this week — and more importantly, what to expect next week.If you're buying, refinancing, or waiting… this is a must-watch.

Hey — Dan Frio here, licensed mortgage loan officer in all 50 states and Puerto Rico.Today's market is on the move. We just got fresh economic data — including ADP payroll numbers, retail sales, and manufacturing reports — and the markets are reacting in real time.Stocks are shifting. Bonds are moving. And mortgage rates? They're responding fast.So the big question is: 

Hey — Dan Frio here, licensed mortgage loan officer in all 50 states and Puerto Rico.Today's market is on the move. We just got fresh economic data — including ADP payroll numbers, retail sales, and manufacturing reports — and the markets are reacting in real time.Stocks are shifting. Bonds are moving. And mortgage rates? They're responding fast.So the big question is: 

Hey — Dan Frio here, licensed mortgage loan officer in all 50 states and Puerto Rico.My goal is simple: help you understand mortgage rates — and more importantly, the WHY behind what's happening.Today, we're breaking down a critical shift in the market: