S2025 Ep281: The Rate Update —Economic Indicators Show Trouble for Mortgage Rates — Here's Why

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.Today, we’re breaking down a critical shift in the market:👉 Economic indicators are flashing warning signs for mortgage ratesFrom rising oil prices… to persistent inflation concerns… to a Federal Reserve that may delay rate cuts — all of this is putting upward pressure on mortgage rates right now.So the big question is:👉 Should you LOCK or FLOAT in today’s market?I’ll walk you through:What’s happening with inflation and oilWhy the 10-Year Treasury is risingHow the Fed is reactingAnd what it means for homebuyers and homeowners right now📉 Track Mortgage Rates (FREE)👉 https://www.therateupdate.com/rate-watch📞 Get a Personalized Mortgage Plan👉 https://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05Welcome to The Rate UpdateWe 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 (30+ Lenders • 1 Credit Pull)👉 https://257781.my1003app.com/246527/register🧮 Mortgage Calculators & Tools👉 https://stan.store/TRU-Foundations🧰 TRU Tools & Resources🏠 Homebuyers & HomeownersCredit Monitoring (SmartCredit)👉 https://www.smartcredit.com/?PID=42980Free Credit Scores (Credit Karma)👉 https://wecantrack.com/programs/credit-karma-affiliate-program/?utm_source=chatgpt.comFICO 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._RilXJ8XHzBjtexgBudgeting Tool👉 https://dashboard.thebudget.app/refferal?ref_code=Dan59062Home Warranty👉 https://www.jdoqocy.com/click-101566903-12343542📊 Mortgage Pros / RealtorsLive MBS & Rate Data👉 http://www.mbslive.net?rid=GFC7FA🎥 Content Creators / YouTubersGrow on YouTube (vidIQ)👉 https://vidiq.com/TRUMortgageRateYouTube SEO & Tags (TubeBuddy)👉 https://www.tubebuddy.com/pricing?a=TheMortgageUpdate🔎 Keywords (SEO Boost)mortgage rates today, why mortgage rates are rising, inflation and mortgage rates, Federal Reserve rate policy, housing market 2026, should I lock or float, 10 year treasury yield, oil prices and inflation, home buying 2026, refinance strategy⏱️ Chapters (9-Minute Video)00:00 Intro — What’s Moving Rates Today00:45 Economic Warning Signs02:00 Oil & Inflation Impact03:30 10-Year Treasury Explained05:00 Federal Reserve Outlook06:30 Mortgage Rate Forecast07:45 Lock vs Float Strategy08:45 Final Advice📲 Follow The Rate UpdateYouTubehttps://www.youtube.com/@TheRateUpdatewithDanFrioInstagramhttps://instagram.com/therateupdateTikTokhttps://tiktok.com/@therateupdate⚖️ Mortgage Compliance DisclosureDan Frio | NMLS #246527TRU Mortgage Team / PBT Bancorp | NMLS #257781Equal Housing LenderThe 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.