Mortgage Rates Today | Housing Market & Fed News – The Rate Update with Dan Frio

Dan Frio
  • 4.1 (17)
  • Investing
  • Updated Daily

The Rate Update with Dan Frio explains mortgage rates, housing market news, inflation, and Federal Reserve policy in plain English. Hosted by nationally recognized mortgage advisor Dan Frio, this podcast breaks down the market forces that move mortgage rates — including the 10-Year Treasury, mortgage-backed securities, CPI inflation, jobs reports, Fed decisions, housing inventory, and economic headlines. Each episode helps homebuyers, homeowners, Realtors, investors, and loan officers understand where mortgage rates may be heading and what it means for buying, refinancing, or investing in real estate. No hype. Just real data, clear explanations, and practical mortgage insight. 📞 (844) 775-LOAN  🌐 https://www.TheRateUpdate.com 🎯 Rate alerts: https://www.TheRateUpdate.com/ratewatch 📺 YouTube: https://www.youtube.com/@TheRateUpdatewithDanFrio

  1. 16h ago

    Housing Crash "Experts": "It'll Be Worse Than 2008" (Since 2022)

    I used AI to rank every major housing market analyst since 2022 — who called the housing crash right, who got mortgage rate forecasts wrong, and where real estate is really headed in 2026. See how Logan from HousingWire, Realtor.com, and Zillow scored versus analysts still predicting a crash worse than 2008. Every day someone tells you exactly where mortgage rates and home prices are headed — but almost none of them go back and check if they were right. So I did. I ran the top housing market analysts and real estate YouTubers through AI, backdated the data to 2022, and scored who actually predicted housing correctly versus who's been calling for a housing crash worse than 2008 for four years straight. In this video I break down: The top-ranked housing market analysts since 2022 (HousingWire, Realtor.com, Zillow) The real estate influencers with the worst forecasting track record on mortgage rates and home prices Why "housing crash worse than 2008" predictions have failed for years Where my own mortgage rate and housing forecasts ranked What this means for homebuyers and homeowners deciding whether to buy, sell, or refinance in 2026 🏠 Ready to Buy or Refinance? Get Pre-Approved https://257781.my1003app.com/246527/register 📅 Want to Talk Through Your Options? Schedule a Consultation https://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05 ✉️ Have Questions? Contact / Ask Dan https://www.therateupdate.com/contact 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. My goal is simple: No hype. Just real data, clear explanations, and practical next steps. 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 🏠 Mortgage rate updates 📉 Housing market news 📊 Inflation and Federal Reserve analysis 📈 10-Year Treasury and bond market movement 💰 Refinance opportunities 🏡 Homebuyer education 🔁 RateWatch and mortgage monitoring tools 🧮 Mortgage calculators and payment tools 🎥 Live market updates and housing commentary Whether you are buying your first home, refinancing your current mortgage, comparing loan options, or just trying to understand why rates are moving, this channel is built to help you make better decisions. 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/therateupdate TikTok: https://tiktok.com/@therateupdate DISCLAIMER Dan Frio is a licensed mortgage loan officer in all 50 states and Puerto Rico. NMLS #246527 | TRU Mortgage Team / 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, TRU Mortgage Team, 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.

    Housing Crash "Experts": "It'll Be Worse Than 2008" (Since 2022)

  2. 1d ago

    OIL at $95 a BARREL: The Fed Might HIKE Rates Next...Not Cut

    Mortgage rates moved higher today even after jobless claims hit a multi-year low — here's why. In this mortgage rate update, Dan Frio breaks down today's jobs report, the mortgage bond market, oil prices near $95 a barrel, and what it means for the Federal Reserve's next interest rate decision. If you're buying a home, refinancing, or just trying to understand why mortgage rates keep moving, this housing market update explains exactly what's happening and what to watch next. 📖 Read the full breakdown: https://www.therateupdate.com/blog/mortgage-rates-just-hit-11-month-high-heres-what-happens-next

    OIL at $95 a BARREL: The Fed Might HIKE Rates Next...Not Cut

  3. 2d ago

    Iran Tensions PUSH Oil to $95, Your Mortgage Rates Even Higher

    🏠 Ready to Buy or Refinance? Get Pre-Approvedhttps://257781.my1003app.com/246527/register 📅 Want to Talk Through Your Options? Schedule a Consultationhttps://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05 ✉️ Have Questions? Contact / Ask Danhttps://www.therateupdate.com/contact 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.

    Iran Tensions PUSH Oil to $95, Your Mortgage Rates Even Higher

  4. 4d ago

    84% Chance the Fed Does THIS to Your Mortgage Next Week

    Oil hit $120 a barrel during the last Iran conflict. Today it's sitting around $80... during the SAME kind of conflict. That gap is the whole story for where mortgage rates go next, and I break down exactly why in today's video. I also walk through the two things the Federal Reserve actually cares about (inflation and jobs), what last week's data really showed, and why I'm telling you there's basically a 100% chance the Fed does nothing at next week's meeting. Then I get into what I'm personally telling my clients to do right now if you're under contract, or if you're planning to buy later this year. Stick around to the end, I show you the exact tools I use every single day to track this stuff myself, and how you can use them too. 📖 Want more detail on what could move rates at next week's meeting? Read the full breakdown here: Fed Meeting Preview: What Could Move Mortgage Rates? — The Frio Team https://www.therateupdate.com/blog/fed-meeting-preview-what-could-move-mortgage-rates 📍 LINKS FROM TODAY'S VIDEO 🏠 Ready to Buy or Refinance? Get Pre-Approved https://257781.my1003app.com/246527/register 📅 Want to Talk Through Your Options? Schedule a Consultation https://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05 ✉️ Have Questions? Contact / Ask Dan https://www.therateupdate.com/contact ⏱️ CHAPTERS 0:00 What the Fed Is Really Watching This Week 1:45 Inflation, Jobs & the Numbers Behind the Decision 4:00 Oil at $120 vs $80: Why the Gap Matters 6:15 This Week's Calendar & the Fed's Real Odds 8:30 What I'm Telling Buyers to Do Right Now 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. My goal is simple: No hype. Just real data, clear explanations, and practical next steps. 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 🏠 Mortgage rate updates 📉 Housing market news 📊 Inflation and Federal Reserve analysis 📈 10-Year Treasury and bond market movement 💰 Refinance opportunities 🏡 Homebuyer education 🔁 RateWatch and mortgage monitoring tools 🧮 Mortgage calculators and payment tools 🎥 Live market updates and housing commentary Whether you are buying your first home, refinancing your current mortgage, comparing loan options, or just trying to understand why rates are moving, this channel is built to help you make better decisions. 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/therateupdate TikTok: https://tiktok.com/@therateupdate DISCLAIMER Dan Frio is a licensed mortgage loan officer in all 50 states and Puerto Rico. NMLS #246527 | TRU Mortgage Team / 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, TRU Mortgage Team, 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.

    84% Chance the Fed Does THIS to Your Mortgage Next Week

  5. Jul 17

    BREAKING: Mortgage Rates Could Test Their Lows Again in 12 Days

    Mortgage rates, inflation data, and Federal Reserve rate expectations all came together this week. Consumer inflation (CPI) and producer inflation (PPI) both came in negative, yet markets are still pricing in a possible Fed rate hike — Dan breaks down why the numbers and the Fed's next move don't seem to line up, what's coming next week before the Fed meeting, how oil prices tie into mortgage rates, and why he thinks rates could test their lows again soon. 00:00 Intro: Why the Fed hike talk doesn't add up 01:35 This week's inflation and jobs data 03:45 What's coming next week before the Fed meets 05:45 Fed rate hike odds and closing outlook 🏠 Ready to Buy or Refinance? Get Pre-Approved https://257781.my1003app.com/246527/register 📅 Want to Talk Through Your Options? Schedule a Consultation https://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05 ✉️ Have Questions? Contact / Ask Dan https://www.therateupdate.com/contact 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. My goal is simple: No hype. Just real data, clear explanations, and practical next steps. 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 🏠 Mortgage rate updates 📉 Housing market news 📊 Inflation and Federal Reserve analysis 📈 10-Year Treasury and bond market movement 💰 Refinance opportunities 🏡 Homebuyer education 🔁 RateWatch and mortgage monitoring tools 🧮 Mortgage calculators and payment tools 🎥 Live market updates and housing commentary Whether you are buying your first home, refinancing your current mortgage, comparing loan options, or just trying to understand why rates are moving, this channel is built to help you make better decisions. 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/therateupdate TikTok: https://tiktok.com/@therateupdate DISCLAIMER Dan Frio is a licensed mortgage loan officer in all 50 states and Puerto Rico. NMLS #246527 | TRU Mortgage Team / 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, TRU Mortgage Team, 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.

    BREAKING: Mortgage Rates Could Test Their Lows Again in 12 Days

  6. Jul 15

    INFLATION Just Turned NEGATIVE: Mortgage Rates Could Retest 5.99%

    🚨 Mortgage rates rallied today after both CPI and PPI inflation reports came in negative — one of the strongest back-to-back inflation readings in months for homebuyers and homeowners. In this daily mortgage rate update, licensed mortgage loan officer Dan Frio breaks down today's Producer Price Index (PPI) report, yesterday's Consumer Price Index (CPI) report, why core inflation cooling is pushing mortgage rates lower, what oil at $79 a barrel and a stock rally led by JPMorgan, Goldman Sachs, Bank of America, and Citi mean for the bigger picture, and whether mortgage rates are heading back to 5.99% or climbing toward 7%.  If you're a homebuyer, homeowner, real estate agent, or loan officer tracking mortgage rates today, this video breaks down the real economic data behind today's rate movement — not just the headlines.  ⏱️ CHAPTERS  0:00 Today's Big Question: Is a Fed Rate Hike Off the Table? 1:30 CPI and PPI Both Come In Negative 4:00 Why Stocks Are Rallying Despite Oil at $79 6:00 What the Fed Meeting in 14 Days Could Mean 9:00 Rate Chart Update: Testing the 5.99% Low and What to Do Next  🏠 Ready to Buy or Refinance? Get Pre-Approved https://257781.my1003app.com/246527/r...  📅 Want to Talk Through Your Options? Schedule a Consultation https://calendly.com/d/cq29-7xd-x3v/t...  ✉️ Have Questions? Contact / Ask Dan https://www.therateupdate.com/contact  ⚖️ COMPLIANCE & DISCLOSURE  The views, opinions, and forecasts shared in this video are those of Dan Frio personally and do not represent the views, opinions, or positions of PBT Bancorp, TRU Mortgage Team, or any other company, employer, or organization Dan Frio is affiliated with.  Dan Frio is not a licensed financial planner, financial advisor, tax advisor, or investment advisor. Nothing in this video or on this channel should be construed as personalized financial, investment, tax, or legal advice — it is general education and commentary only. Always consult a licensed professional about your specific situation before making a financial decision.  Welcome to The Rate Update with Dan Frio — your daily source for mortgage rates today, housing market updates, inflation data (CPI, PPI, PCE), Federal Reserve policy, and bond market analysis.  🏠 Mortgage rate updates 📉 Housing market news 📊 Inflation and Federal Reserve analysis 📈 10-Year Treasury and bond market movement 💰 Refinance opportunities 🏡 Homebuyer education 🔁 RateWatch and mortgage monitoring tools 🧮 Mortgage calculators and payment tools 🎥 Live market updates and housing commentary  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: / @therateupdatewithdanfrio Instagram: / therateupdate TikTok: / therateupdate  DISCLAIMER  Dan Frio is a licensed mortgage loan officer in all 50 states and Puerto Rico. NMLS #246527 | TRU Mortgage Team / 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.  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 #InflationReport #HousingMarket2026 #FederalReserve #CPI #PPI #InterestRatesToday #MortgageRateForecast #RealEstate

    INFLATION Just Turned NEGATIVE: Mortgage Rates Could Retest 5.99%

  7. Jul 14

    BREAKING: Mortgage Rates Rally After the Best Inflation Report in Years

    🏠 Ready to Buy or Refinance? Get Pre-Approvedhttps://257781.my1003app.com/246527/register 📅 Want to Talk Through Your Options? Schedule a Consultationhttps://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05 ✉️ Have Questions? Contact / Ask Danhttps://www.therateupdate.com/contact 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. My goal is simple:No hype. Just real data, clear explanations, and practical next steps.

    BREAKING: Mortgage Rates Rally After the Best Inflation Report in Years

  8. Jul 13

    BREAKING: Oil Jumps To $73... Your Mortgage Rate Is About To Move

    🏠 Ready to Buy or Refinance? Get Pre-Approvedhttps://257781.my1003app.com/246527/register 📅 Want to Talk Through Your Options? Schedule a Consultationhttps://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05 ✉️ Have Questions? Contact / Ask Danhttps://www.therateupdate.com/contact 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. My goal is simple:No hype. Just real data, clear explanations, and practical next steps. 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 🏠 Mortgage rate updates📉 Housing market news📊 Inflation and Federal Reserve analysis📈 10-Year Treasury and bond market movement💰 Refinance opportunities🏡 Homebuyer education🔁 RateWatch and mortgage monitoring tools🧮 Mortgage calculators and payment tools🎥 Live market updates and housing commentary Whether you are buying your first home, refinancing your current mortgage, comparing loan options, or just trying to understand why rates are moving, this channel is built to help you make better decisions. TOP RESOURCES 📉 Track Mortgage Rates Automaticallyhttps://rw2.therateupdate.com/ 🏠 TRU Mortgage Command Centerhttps://command.therateupdate.com/ 💳 TRU Debt Optimizerhttps://debtrelief.therateupdate.com/ 🧮 Mortgage Calculators & Toolshttps://stan.store/TRU-Foundations FOLLOW THE RATE UPDATE YouTube: https://www.youtube.com/@TheRateUpdatewithDanFrioInstagram: https://instagram.com/therateupdateTikTok: https://tiktok.com/@therateupdate DISCLAIMER Dan Frio is a licensed mortgage loan officer in all 50 states and Puerto Rico. NMLS #246527 | TRU Mortgage Team / 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, TRU Mortgage Team, 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.

    BREAKING: Oil Jumps To $73... Your Mortgage Rate Is About To Move
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About

The Rate Update with Dan Frio explains mortgage rates, housing market news, inflation, and Federal Reserve policy in plain English. Hosted by nationally recognized mortgage advisor Dan Frio, this podcast breaks down the market forces that move mortgage rates — including the 10-Year Treasury, mortgage-backed securities, CPI inflation, jobs reports, Fed decisions, housing inventory, and economic headlines. Each episode helps homebuyers, homeowners, Realtors, investors, and loan officers understand where mortgage rates may be heading and what it means for buying, refinancing, or investing in real estate. No hype. Just real data, clear explanations, and practical mortgage insight. 📞 (844) 775-LOAN  🌐 https://www.TheRateUpdate.com 🎯 Rate alerts: https://www.TheRateUpdate.com/ratewatch 📺 YouTube: https://www.youtube.com/@TheRateUpdatewithDanFrio

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