Episode Details

Hey — Dan Frio here, licensed mortgage loan officer in all 50 states and Puerto Rico.

🚨 Mortgage rates are no longer just about the Fed… they’re now tied to OIL.

With rising tensions involving Iran and potential disruption in the Strait of Hormuz, oil prices are spiking — and that creates inflation pressure almost immediately.

And when inflation rises…
👉 the bond market reacts
👉 the 10-Year Treasury moves
👉 mortgage rates follow

So the real question is:
👉 Are mortgage rates about to spike next?
👉 And more importantly… should you LOCK or FLOAT right now?

In today’s video, we break it all down in simple terms:
• Why oil prices are now driving mortgage rates
• What the Iran conflict means for inflation
• How the bond market is reacting right now
• A real strategy to time your mortgage (without guessing)

📉 Track Mortgage Rates (FREE — Set Your Target & Get Alerts)
👉 https://www.therateupdate.com/rate-watch

📞 Get a Personalized Mortgage Plan (Lock vs Float Strategy)
👉 https://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05

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.

📝 Apply for a Mortgage (1 Application • 1 Credit Pull • 30+ Lenders)
👉 https://257781.my1003app.com/246527/register

🧮 TRU Mortgage Calculator Toolkit
👉 https://stan.store/TRU-Foundations

🧰 TRU Tools & Resources

🏠 Homebuyers & Homeowners
Credit Monitoring (SmartCredit)
👉 https://www.smartcredit.com/?PID=42980

Free Credit Scores (Credit Karma)
👉 https://wecantrack.com/programs/credit-karma-affiliate-program/?utm_source=chatgpt.com

FICO Scores (MyFICO)
👉 https://www.myfico.com/?utm_medium=Affiliate&utm_source=RAN&utm_campaign=eY7VEE42Oeg&utm_term=eY7VEE42Oeg-yMKLq._RilXJ8XHzBjtexg&ranMID=53963&ranEAID=eY7VEE42Oeg&ranSiteID=eY7VEE42Oeg-yMKLq._RilXJ8XHzBjtexg

Budgeting Tool
👉 https://dashboard.thebudget.app/refferal?ref_code=Dan59062

Home Warranty
👉 https://www.jdoqocy.com/click-101566903-12343542

📊 Mortgage Pros / Realtors
Live MBS & Rate Data
👉 http://www.mbslive.net?rid=GFC7FA

🎥 Content Creators / YouTubers
Grow on YouTube (vidIQ)
👉 https://vidiq.com/TRUMortgageRate

YouTube SEO & Tags (TubeBuddy)
👉 https://www.tubebuddy.com/pricing?a=TheMortgageUpdate

🔍 SEO Keywords

mortgage rates today, oil prices mortgage rates, Iran conflict oil impact, Strait of Hormuz oil supply, inflation and mortgage rates, why mortgage rates are rising, 10 year treasury mortgage rates, bond market mortgage rates, housing market update 2026, mortgage rate forecast 2026, should I lock or float mortgage rate, refinance timing strategy, federal reserve interest rates 2026, oil prices inflation connection, global conflict economy impact, home buying 2026 outlook, mortgage pred