Episode Details

Mortgage rates, inflation, and the bond market are all reacting to oil prices and this week's Federal Reserve outlook. In today's video I break down the MBS bond market, the jobs report, and the 10 Year Treasury to help you decide if now is the time to lock in your mortgage rate, refinance, or keep waiting.

🏦 Today's MBS bond market move (up 11 ticks) and what "green" and "above 10" actually mean for your rate
 📊 What the Federal Reserve did last week and where the odds stand ahead of the next meeting
 💼 This week's jobs data, including today's payroll report and Thursday's jobless claims
 🛢️ Why oil dropping under $100 a barrel and the Iran conflict are driving inflation expectations
 📉 The 10 Year Treasury's move after flirting with the 5% mark
 🧮 Free calculators to see your real refinance savings, plus what to do if you're already under contract

📝 Full breakdown and free calculators on the blog: https://www.therateupdate.com/blog

⏱ CHAPTERS
 0:00 Should You Lock In or Wait Right Now
 1:10 Reading Today's Mortgage Bond Market
 3:05 What the Fed Just Did and This Week's Jobs Data
 5:20 Oil, Iran, and the 10 Year Treasury
 8:00 Buyer and Refinance Guidance, Plus Free Calculators

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Welcome to The Rate Update with Dan Frio.

This channel helps homebuyers, homeowners, real estate professionals, and anyone watching the housing market understand what is really happening with mortgage rates, housing, inflation, the bond market, the Federal Reserve, and the economy.

Here we break down the stories that impact your mortgage payment, your buying power, your refinance options, and your financial decisions.

WHAT YOU'LL FIND ON THIS CHANNEL
 🏠 Daily mortgage rate updates
 📉 Housing market news and home price trends
 📊 Inflation, CPI, and Federal Reserve analysis
 📈 10-Year Treasury and mortgage bond movement
 💰 Refinance and debt consolidation opportunities
 🏡 First-time homebuyer education
 🔁 Rate Watch mortgage monitoring tools
 🧮 Mortgage calculators and payment tools

WHERE TO START

🏡 Buying a home — FHA, VA, USDA, conventional, jumbo and down payment assistance
 https://www.therateupdate.com/first-time-home-buyer

🔁 Refinancing or accessing equity — cash-out, FHA Streamline, VA IRRRL, HELOC and reverse
 https://www.therateupdate.com/homeowner-options

🏢 Buying rentals — DSCR on 1 to 8 units, bank statement and no-income options
 https://www.therateupdate.com/investment-property-loans

🎁 Down payment assistance — 3.5% to 5%, including grants you never repay
 https://www.therateupdate.com/down-payment-assistance

TOP RESOURCES

📊 TRU Mortgage Command Center — Live Rate Dashboard
 https://command.therateupdate.com/

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