Episode Details

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:

👉 Economic indicators are flashing warning signs for mortgage rates

From rising oil prices… to persistent inflation concerns… to a Federal Reserve that may delay rate cuts — all of this is putting upward pressure on mortgage rates right now.

So the big question is:
👉 Should you LOCK or FLOAT in today’s market?

I’ll walk you through:

What’s happening with inflation and oil
Why the 10-Year Treasury is rising
How the Fed is reacting
And what it means for homebuyers and homeowners right now

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Welcome to The Rate Update

We break down mortgage rates, inflation, the Federal Reserve, and the bond market — so you can make smarter decisions when buying, refinancing, or timing the housing market.

No hype. Just real data.

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⏱️ Chapters (9-Minute Video)

00:00 Intro — What’s Moving Rates Today
00:45 Economic Warning Signs
02:00 Oil & Inflation Impact
03:30 10-Year Treasury Explained
05:00 Federal Reserve Outlook
06:30 Mortgage Rate Forecast
07:45 Lock vs Float Strategy
08:45 Final Advice

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