S2025 Ep278: The Rate Update —Oil Prices Pushing Mortgage Rates Higher — What's Next?

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.

🚨 Oil Prices Just Hit $100+ — What This Means for Mortgage Rates

Oil is spiking.
Geopolitical tensions are rising.
And mortgage rates are reacting — fast.

In today’s update, we break down:

👉 Why oil prices directly impact mortgage rates
👉 How the Iran conflict is influencing inflation expectations
👉 Why the bond market is starting to sell off
👉 Whether mortgage rates could push back to 7%
👉 The BIG question: Should you LOCK or FLOAT right now?

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🧠 What You’ll Learn in This Video

✔️ The connection between oil, inflation, and mortgage rates
✔️ Why the 10-year Treasury is the key driver
✔️ How global conflict impacts YOUR mortgage payment
✔️ Real-time strategy for buyers, refinancers, and homeowners
✔️ When it makes sense to lock your rate vs. float

⏱️ Chapters

00:00 – Oil Prices Surge Past $100
01:10 – Why Oil Drives Inflation
02:30 – Bond Market Reaction Explained
04:00 – Mortgage Rates Moving Higher
05:30 – Could Rates Hit 7%?
07:00 – Lock vs Float Strategy
08:30 – What You Should Do Next

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⚖️ Mortgage Compliance Disclosure

Dan Frio | NMLS #246527
TRU Mortgage Team / PBT Bancorp | NMLS #257781
Equal Housing Lender

The views and opinions expressed are solely those of Dan Frio and do not reflect the views of PBT Bancorp or any other entity.

This content is for educational and entertainment purposes only and should not be considered financial, legal, or tax advice. All scenarios are illustrative and subject to change. Please consult a licensed professional regarding your specific situation.