🏦 YOUR REAL MORTGAGE RATE — REVEALED LIVE

Stop guessing from headlines.
We pull live pricing from 30+ lenders to show what YOU actually qualify for, plus lock vs float guidance and full market breakdowns (Fed, CPI, Jobs, MBS, 10-Year Treasury).

Transparent. Accurate. No hype.

🔔 Get Your Rate & Alerts

RateWatch 2.0 — Get notified when your target rate hits
👉 https://TheRateUpdate.com/ratewatch

Free Mortgage Strategy Call
👉 https://shorturl.at/SCIGL

Ask Dan a Mortgage Question
👉 https://TheRateUpdate.com/ask-dan

🧮 Mortgage Calculators

Affordability
👉 https://friodan.gumroad.com/l/lyxvnp

Refinance & Debt Consolidation
👉 https://friodan.gumroad.com/l/ovwvug

Cost-of-Waiting™
👉 https://friodan.gumroad.com/l/rjtvn

🏡 Apply with the TRU Mortgage Team

One Application • One Credit Pull • 30+ Lenders Compete
👉 https://257781.my1003app.com/246527/register

0:45 – Bank Profits vs Homeowner Pain
2:10 – Why Interest Rates Are Still So High
3:45 – Why So Many Homeowners Are Rushing to Refinance
5:10 – What Most People Are Missing About Their Mortgage
6:40 – How Much Can You Really Save by Refinancing?
8:05 – The Biggest Refinance Mistakes to Avoid
9:20 – Credit Cards, Debt, and Why Banks Charge So Much
10:15 – What You Should Do Right Now
10:50 – Final Thoughts + How to Get Help

📺 Follow The Rate Update

YouTube — https://www.youtube.com/@TheRateUpdate

Instagram — https://instagram.com/therateupdate

TikTok — https://tiktok.com/@therateupdate

Facebook — https://facebook.com/therateupdate

LinkedIn — https://www.linkedin.com/in/danfrio

X — https://twitter.com/therateupdate

⚖️ Compliance

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

The views and opinions expressed are solely those of the host and do not reflect the views, policies, or positions of PBT Bancorp or any affiliated entities.
Content is for educational and entertainment purposes only and is not financial, legal, or investment advice.

🏦 YOUR REAL MORTGAGE RATE — REVEALED LIVE!

Stop guessing based on headlines.
Every week we pull live, real-time pricing from 30+ lenders to show you exactly what YOU can qualify for.

Transparent. Accurate. No hype.
Just the truth homeowners, homebuyers, and professionals need.

✔️ Live real-time mortgage rates
✔️ What YOU qualify for based on today’s market
✔️ Lock vs Float guidance
✔️ Fed • CPI • Jobs • MBS • 10-Yr Treasury explained
✔️ Daily pricing shifts broken down simply
✔️ Live viewer scenario pricing + education

🔔 GET HELP & TOOLS

🔹 RateWatch 2.0 — Get Alerts When Your Target Rate Hits
👉 https://TheRateUpdate.com/ratewatch

🔹 Book a Free Consultation
👉 https://shorturl.at/SCIGL

🔹 Ask Dan Your Mortgage Question
👉 https://TheRateUpdate.com/ask-dan

🧮 FREE & PREMIUM CALCULATORS

Affordability Calculator #1 Calculator
https://friodan.gumroad.com/l/lyxvnp

🔹 TRU Refinance & Debt Consolidation Analyzer
👉 https://friodan.gumroad.com/l/ovwvug

🔹 TRU Cost-of-Waiting™ Calculator
👉 https://friodan.gumroad.com/l/rjtvn

🏡 APPLY WITH THE TRU MORTGAGE TEAM

One Application. One Credit Pull. 30+ Lenders Compete For You.
👉 https://257781.my1003app.com/246527/register

🔔 FOLLOW FOR DAILY RATE UPDATES

YouTube — https://www.youtube.com/@TheRateUpdate

Instagram — https://instagram.com/therateupdate

TikTok — https://tiktok.com/@therateupdate

Facebook — https://facebook.com/therateupdate

LinkedIn — https://www.linkedin.com/in/danfrio

Twitter/X — https://twitter.com/therateupdate

🏦 ABOUT DAN FRIO

35+ years of mortgage expertise.
Helping homeowners, buyers, and real estate professionals win with clarity, transparency, and experience.

⚖️ COMPLIANCE & DISCLAIMER

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

The views shared are personal opinions and educational commentary and do not necessarily represent the views of PBT Bancorp or its affiliates. Content is for educational and entertainment purposes only and is not financial, legal, investment, or trading advice. Always consult a qualified professional regarding your specific situation.

🏦 YOUR REAL MORTGAGE RATE — REVEALED LIVE!

Stop guessing based on headlines.
Every week we pull live, real-time pricing from 30+ lenders to show you exactly what YOU can qualify for.

Transparent. Accurate. No hype.
Just the truth homeowners, homebuyers, and professionals need.

✔️ Live real-time mortgage rates
✔️ What YOU qualify for based on today’s market
✔️ Lock vs Float guidance
✔️ Fed • CPI • Jobs • MBS • 10-Yr Treasury explained
✔️ Daily pricing shifts broken down simply
✔️ Live viewer scenario pricing + education

🔔 GET HELP & TOOLS

🔹 RateWatch 2.0 — Get Alerts When Your Target Rate Hits
👉 https://TheRateUpdate.com/ratewatch

🔹 Book a Free Consultation
👉 https://shorturl.at/SCIGL

🔹 Ask Dan Your Mortgage Question
👉 https://TheRateUpdate.com/ask-dan

🧮 FREE & PREMIUM CALCULATORS

Affordability Calculator #1 Calculator
https://friodan.gumroad.com/l/lyxvnp

🔹 TRU Refinance & Debt Consolidation Analyzer
👉 https://friodan.gumroad.com/l/ovwvug

🔹 TRU Cost-of-Waiting™ Calculator
👉 https://friodan.gumroad.com/l/rjtvn

🏡 APPLY WITH THE TRU MORTGAGE TEAM

One Application. One Credit Pull. 30+ Lenders Compete For You.
👉 https://257781.my1003app.com/246527/register

🔔 FOLLOW FOR DAILY RATE UPDATES
0:00 – Introduction
1:20 – Topic A
3:45 – Example/Case Study
6:10 – Key Takeaways
9:30 – Conclusion

YouTube — https://www.youtube.com/@TheRateUpdate

Instagram — https://instagram.com/therateupdate

TikTok — https://tiktok.com/@therateupdate

Facebook — https://facebook.com/therateupdate

LinkedIn — https://www.linkedin.com/in/danfrio

Twitter/X — https://twitter.com/therateupdate

🏦 ABOUT DAN FRIO

35+ years of mortgage expertise.
Helping homeowners, buyers, and real estate professionals win with clarity, transparency, and experience.

⚖️ COMPLIANCE & DISCLAIMER

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

The views shared are personal opinions and educational commentary and do not necessarily represent the views of PBT Bancorp or its affiliates. Content is for educational and entertainment purposes only and is not financial, legal, investment, or trading advice. Always consult a qualified professional regarding your specific situation.

🏦 YOUR REAL MORTGAGE RATE — REVEALED LIVE!

Stop guessing based on headlines.
Every week we pull live, real-time pricing from 30+ lenders to show you exactly what YOU can qualify for.

Transparent. Accurate. No hype.
Just the truth homeowners, homebuyers, and professionals need.

✔️ Live real-time mortgage rates
✔️ What YOU qualify for based on today’s market
✔️ Lock vs Float guidance
✔️ Fed • CPI • Jobs • MBS • 10-Yr Treasury explained
✔️ Daily pricing shifts broken down simply
✔️ Live viewer scenario pricing + education

🔔 GET HELP & TOOLS

🔹 RateWatch 2.0 — Get Alerts When Your Target Rate Hits
👉 https://TheRateUpdate.com/ratewatch

🔹 Book a Free Consultation
👉 https://shorturl.at/SCIGL

🔹 Ask Dan Your Mortgage Question
👉 https://TheRateUpdate.com/ask-dan

🧮 FREE & PREMIUM CALCULATORS

🔹 TRU Refinance & Debt Consolidation Analyzer
👉 https://friodan.gumroad.com/l/ovwvug

🔹 TRU Cost-of-Waiting™ Calculator
👉 https://friodan.gumroad.com/l/rjtvn

🏡 APPLY WITH THE TRU MORTGAGE TEAM

One Application. One Credit Pull. 30+ Lenders Compete For You.
👉 https://257781.my1003app.com/246527/register

🔔 FOLLOW FOR DAILY RATE UPDATES
00:00 Introduction
00:30 Key Topic #1 — [Main Point / Hook]
02:15 Discussion / Breakdown
04:00 Key Topic #2 — [Next Concept]
06:10 Example / Case Study
08:05 Q&A / Common Questions
09:50 Summary & Takeaways
11:00 Final Thoughts / Call to Action

YouTube — https://www.youtube.com/@TheRateUpdate

Instagram — https://instagram.com/therateupdate

TikTok — https://tiktok.com/@therateupdate

Facebook — https://facebook.com/therateupdate

LinkedIn — https://www.linkedin.com/in/danfrio

Twitter/X — https://twitter.com/therateupdate

🏦 ABOUT DAN FRIO

35+ years of mortgage expertise.
Helping homeowners, buyers, and real estate professionals win with clarity, transparency, and experience.

⚖️ COMPLIANCE & DISCLAIMER

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

The views shared are personal opinions and educational commentary and do not necessarily represent the views of PBT Bancorp or its affiliates. Content is for educational and entertainment purposes only and is not financial, legal, investment, or trading advice. Always consult a qualified professional regarding your specific situation.

🏦 YOUR REAL MORTGAGE RATE — REVEALED LIVE!

Stop guessing based on headlines.
Every week we pull live, real-time pricing from 30+ lenders to show you exactly what YOU can qualify for.

Transparent. Accurate. No hype.
Just the truth homeowners, homebuyers, and professionals need.

✔️ Live real-time mortgage rates
✔️ What YOU qualify for based on today’s market
✔️ Lock vs Float guidance
✔️ Fed • CPI • Jobs • MBS • 10-Yr Treasury explained
✔️ Daily pricing shifts broken down simply
✔️ Live viewer scenario pricing + education

🔔 GET HELP & TOOLS

🔹 RateWatch 2.0 — Get Alerts When Your Target Rate Hits
👉 https://TheRateUpdate.com/ratewatch

🔹 Book a Free Consultation
👉 https://shorturl.at/SCIGL

🔹 Ask Dan Your Mortgage Question
👉 https://TheRateUpdate.com/ask-dan

🧮 FREE & PREMIUM CALCULATORS

(TRU tools — use Promo Code DAN for FREE access)

🔹 TRU Refinance & Debt Consolidation Analyzer
👉 https://friodan.gumroad.com/l/ovwvug

🔹 TRU Cost-of-Waiting™ Calculator
👉 https://friodan.gumroad.com/l/rjtvn

🏡 APPLY WITH THE TRU MORTGAGE TEAM

One Application. One Credit Pull. 30+ Lenders Compete For You.
👉 https://257781.my1003app.com/246527/register

🔔 FOLLOW FOR DAILY RATE UPDATES

YouTube — https://www.youtube.com/@TheRateUpdate

Instagram — https://instagram.com/therateupdate

TikTok — https://tiktok.com/@therateupdate

Facebook — https://facebook.com/therateupdate

LinkedIn — https://www.linkedin.com/in/danfrio

Twitter/X — https://twitter.com/therateupdate

🏦 ABOUT DAN FRIO

35+ years of mortgage expertise.
Helping homeowners, buyers, and real estate professionals win with clarity, transparency, and experience.

⚖️ COMPLIANCE & DISCLAIMER

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

The views shared are personal opinions and educational commentary and do not necessarily represent the views of PBT Bancorp or its affiliates. Content is for educational and entertainment purposes only and is not financial, legal, investment, or trading advice. Always consult a qualified professional regarding your specific situation.

🏦 YOUR REAL MORTGAGE RATE — REVEALED LIVE!
Stop guessing based on headlines. Every week we pull live, real-time pricing from 30+ lenders to show you exactly what YOU can qualify for. Transparent. Accurate. No hype. Just the truth homeowners, homebuyers, and professionals need.

✔️ Live real-time mortgage rates
✔️ What YOU qualify for based on today’s market
✔️ Lock vs Float guidance
✔️ Fed • CPI • Jobs • MBS • 10-Yr Treasury explained
✔️ Daily pricing shifts broken down simply
✔️ Live viewer scenario pricing + education

🔔 GET HELP & TOOLS

🔹 RateWatch 2.0 — Get Alerts When Your Target Rate Hits
https://TheRateUpdate.com/ratewatch

🔹 Book a Free Consultation
https://shorturl.at/SCIGL

🔹 Ask Dan Your Mortgage Question
https://TheRateUpdate.com/ask-dan

🧮 FREE & PREMIUM CALCULATORS

(TRU tools — use Promo Code DAN for FREE access)

🔹 TRU Refinance & Debt Consolidation Analyzer
https://friodan.gumroad.com/l/ovwvug

🔹 TRU Cost-of-Waiting™ Calculator
https://friodan.gumroad.com/l/rjtvn

🏡 APPLY WITH THE TRU MORTGAGE TEAM

One Application. One Credit Pull. 30+ Lenders Compete For You.
https://257781.my1003app.com/246527/register

🔔 FOLLOW FOR DAILY RATE UPDATES
0:00 — Intro
0:45 — Topic One Overview
2:10 — Key Point / Segment
…
10:30 — Closing Remarks

YouTube — https://www.youtube.com/@TheRateUpdate

Instagram — https://instagram.com/therateupdate

TikTok — https://tiktok.com/@therateupdate

Facebook — https://facebook.com/therateupdate

LinkedIn — https://www.linkedin.com/in/danfrio

Twitter/X — https://twitter.com/therateupdate

🏦 ABOUT DAN FRIO

35+ years of mortgage expertise.
Helping homeowners, buyers, and real estate pros win with clarity, transparency & experience.

⚖️ COMPLIANCE & DISCLAIMER

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

The views shared are my personal opinions and educational commentary. They do not necessarily represent the views of PBT Bancorp or affiliates. Content is for educational and entertainment purposes only and is not financial, legal, investment, or trading advice. Always consult a qualified professional for your specific situation.

🏦 YOUR REAL MORTGAGE RATE — REVEALED LIVE!
Stop guessing based on headlines. Every week we pull live, real-time pricing from 30+ lenders to show you exactly what YOU can qualify for. Transparent. Accurate. No hype. Just the truth homeowners, homebuyers, and professionals need.

✔️ Live real-time mortgage rates
✔️ What YOU qualify for based on today’s market
✔️ Lock vs Float guidance
✔️ Fed • CPI • Jobs • MBS • 10-Yr Treasury explained
✔️ Daily pricing shifts broken down simply
✔️ Live viewer scenario pricing + education

🔔 GET HELP & TOOLS

🔹 RateWatch 2.0 — Get Alerts When Your Target Rate Hits
https://TheRateUpdate.com/ratewatch

🔹 Book a Free Consultation
https://shorturl.at/SCIGL

🔹 Ask Dan Your Mortgage Question
https://TheRateUpdate.com/ask-dan

🧮 FREE & PREMIUM CALCULATORS

(TRU tools — use Promo Code DAN for FREE access)

🔹 TRU Refinance & Debt Consolidation Analyzer
https://friodan.gumroad.com/l/ovwvug

🔹 TRU Cost-of-Waiting™ Calculator
https://friodan.gumroad.com/l/rjtvn

🏡 APPLY WITH THE TRU MORTGAGE TEAM

One Application. One Credit Pull. 30+ Lenders Compete For You.
https://257781.my1003app.com/246527/register
0:00 – Mortgage Rates Fell… So Why Is Housing Still Unaffordable?
0:28 – Mortgage Rates Down Over 2%: What Changed?
1:12 – Lower Rates ≠ Lower Payments (Here’s Why)
2:05 – Home Prices Aren’t Falling Like People Expected
2:58 – Property Taxes Are Exploding
3:48 – Home Insurance Costs Are Skyrocketing
4:42 – The REAL Monthly Payment Problem
5:30 – Why Buyers Still Feel Priced Out
6:18 – What Needs to Happen for Housing to Become Affordable Again
7:15 – What This Means for Homebuyers and Homeowners Right Now
8:00 – Final Thoughts & What to Watch Next

🔔 FOLLOW FOR DAILY RATE UPDATES

YouTube — https://www.youtube.com/@TheRateUpdate

Instagram — https://instagram.com/therateupdate

TikTok — https://tiktok.com/@therateupdate

Facebook — https://facebook.com/therateupdate

LinkedIn — https://www.linkedin.com/in/danfrio

Twitter/X — https://twitter.com/therateupdate

🏦 ABOUT DAN FRIO

35+ years of mortgage expertise.
Helping homeowners, buyers, and real estate pros win with clarity, transparency & experience.

⚖️ COMPLIANCE & DISCLAIMER

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

The views shared are my personal opinions and educational commentary. They do not necessarily represent the views of PBT Bancorp or affiliates. Content is for educational and entertainment purposes only and is not financial, legal, investment, or trading advice. Always consult a qualified professional for your specific situation.