Episode Details

Mortgage rates are moving today as the 30 year Treasury hits a 19 year high, oil prices climb, and new jobs and housing data shift the Federal Reserve's next move on interest rates.

In this episode of The Rate Update, Dan Frio breaks down:

Why the 30 year Treasury yield just hit a 19 year high and why that number is not your mortgage rate
The real bond that drives mortgage pricing and how to read it
Why oil prices are the single biggest driver of inflation and mortgage rates right now
How tariffs, government spending, and a Supreme Court ruling are adding pressure to rates
Today's jobs report, building permits, housing starts, and import and export prices
What the Federal Reserve is watching ahead of its next meeting
What Dan is telling his own clients to do right now if they are buying, building, or already own a home

Ready to Buy or Refinance? Get Pre-Approved
https://257781.my1003app.com/246527/register

Want to Talk Through Your Options? Schedule a Consultation
https://www.therateupdate.com/book-a-call

Have Questions? Contact / Ask Dan
https://www.therateupdate.com/contact

Read the full breakdown on the blog: https://therateupdate.com/blog

CHAPTERS
0:00 30 Year Treasury Hits a 19 Year High
1:35 Why Rates Are High: Oil, Tariffs & Government Spending
3:20 How Oil Drives Inflation & the Fed's Next Move
5:10 Today's Data: Jobs, Housing Starts & Import Prices
7:20 What Buyers, Builders & Homeowners Should Do Now

TOP RESOURCES

Track Mortgage Rates Automatically
https://rw2.therateupdate.com/

TRU Mortgage Command Center
https://command.therateupdate.com/

TRU Debt Optimizer
https://debtrelief.therateupdate.com/

Mortgage Calculators & Tools
https://stan.store/TRU-Foundations

FOLLOW THE RATE UPDATE

YouTube: https://www.youtube.com/@TheRateUpdatewithDanFrio
Instagram: https://instagram.com/themortgageupdate
TikTok: https://tiktok.com/@therateupdate

DISCLAIMER

Dan Frio is a federally registered mortgage loan originator with PBT Bancorp. Mortgage products are originated by PBT Bancorp, NMLS #257781. NMLS #246527 | PBT Bancorp NMLS #257781 | Equal Housing Lender.

This channel is for education and commentary only. Topics may include mortgage rates, real estate, housing, stocks, bonds, cryptocurrency, inflation, the Federal Reserve, and financial markets.

All opinions are my own and do not represent PBT Bancorp, The Rate Update, or any financial institution I may be employed by or affiliated with.

Nothing on this channel is an offer to lend, a commitment to lend, financial, legal, tax, or investment advice. Mortgage rates, terms, approvals, and programs are subject to borrower qualifications, market conditions, underwriting approval, and change without notice. Not all borrowers will qualify.

#MortgageRates #HousingMarket #FederalReserve #Homebuyers #Refinance

Dan Frio | NMLS #246527 | PBT Bancorp | NMLS #257781 | Equal Housing Lender | 524 Main St, Hazard, KY 41701. Mortgage products are originated by PBT Bancorp, NMLS #257781. Education and commentary only; not an offer or commitment to lend.