Welcome to **The Rate Update with Dan Frio**.

Here, I break down **mortgage rates, housing, inflation, the Federal Reserve, Treasury yields, and the economic news that impacts homebuyers, homeowners, and anyone thinking about refinancing**.

My goal is simple: help you understand **what’s happening, why it matters, and what it could mean for your next move**.

Whether you’re buying your first home, refinancing your current mortgage, tracking the housing market, or just trying to make sense of today’s financial headlines, you’re in the right place.

🚨 Start Here — My Most Powerful Tools

📊 Track Mortgage Rates Automatically (RateWatch 2.2)
👉 https://rw2.therateupdate.com/

🏠 TRU Mortgage Command Center (Live Market Dashboard)
👉 https://command.therateupdate.com/

💳 TRU Debt Optimizer (Lower Payments & Pay Off Debt Faster)
👉 https://debtrelief.therateupdate.com/

📞 Work With Me

📅 Schedule a Consultation
👉 https://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05

📝 Apply for a Mortgage (30+ Lenders • 1 Credit Pull)
👉 https://257781.my1003app.com/246527/register

🧮 Mortgage Calculators & Tools
👉 https://stan.store/TRU-Foundations

🧰 Credit & Financial Tools

📊 Credit Monitoring (SmartCredit)
👉 https://www.smartcredit.com/?PID=42980

📈 Free Credit Scores (Credit Karma)
👉 https://wecantrack.com/programs/credit-karma-affiliate-program/?utm_source=chatgpt.com

📲 Follow The Rate Update

YouTube
https://www.youtube.com/@TheRateUpdatewithDanFrio

Instagram
https://instagram.com/therateupdate

TikTok
https://tiktok.com/@therateupdate

⚖️ Important Disclosures

Dan Frio is a licensed mortgage loan officer in all 50 states and Puerto Rico (NMLS #246527), affiliated with TRU Mortgage Team / PBT Bancorp (NMLS #257781), an Equal Housing Lender.

This content is provided for **educational and informational purposes only** and should not be considered mortgage, financial, legal, tax, or investment advice.

All opinions expressed are solely those of Dan Frio and do not necessarily reflect the views of PBT Bancorp or any affiliated institution.

Viewing this content, commenting on a video, sending a message, or contacting Dan Frio through this channel does **not** create a client relationship.

Mortgage approvals, rates, terms, and program availability are subject to change and depend on borrower qualifications, including but not limited to credit, income, assets, occupancy, appraisal, underwriting review, and program guidelines.

Not all borrowers will qualify. Equal Housing Lender.

Welcome to **The Rate Update with Dan Frio**.

Here, I break down **mortgage rates, housing, inflation, the Federal Reserve, Treasury yields, and the economic news that impacts homebuyers, homeowners, and anyone thinking about refinancing**.

My goal is simple: help you understand **what’s happening, why it matters, and what it could mean for your next move**.

Whether you’re buying your first home, refinancing your current mortgage, tracking the housing market, or just trying to make sense of today’s financial headlines, you’re in the right place.

🚨 Start Here — My Most Powerful Tools

📊 Track Mortgage Rates Automatically (RateWatch 2.2)
👉 https://rw2.therateupdate.com/

🏠 TRU Mortgage Command Center (Live Market Dashboard)
👉 https://command.therateupdate.com/

💳 TRU Debt Optimizer (Lower Payments & Pay Off Debt Faster)
👉 https://debtrelief.therateupdate.com/

📞 Work With Me

📅 Schedule a Consultation
👉 https://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05

📝 Apply for a Mortgage (30+ Lenders • 1 Credit Pull)
👉 https://257781.my1003app.com/246527/register

🧮 Mortgage Calculators & Tools
👉 https://stan.store/TRU-Foundations

🧰 Credit & Financial Tools

📊 Credit Monitoring (SmartCredit)
👉 https://www.smartcredit.com/?PID=42980

📈 Free Credit Scores (Credit Karma)
👉 https://wecantrack.com/programs/credit-karma-affiliate-program/?utm_source=chatgpt.com

📲 Follow The Rate Update

YouTube
https://www.youtube.com/@TheRateUpdatewithDanFrio

Instagram
https://instagram.com/therateupdate

TikTok
https://tiktok.com/@therateupdate

⚖️ Important Disclosures

Dan Frio is a licensed mortgage loan officer in all 50 states and Puerto Rico (NMLS #246527), affiliated with TRU Mortgage Team / PBT Bancorp (NMLS #257781), an Equal Housing Lender.

This content is provided for **educational and informational purposes only** and should not be considered mortgage, financial, legal, tax, or investment advice.

All opinions expressed are solely those of Dan Frio and do not necessarily reflect the views of PBT Bancorp or any affiliated institution.

Viewing this content, commenting on a video, sending a message, or contacting Dan Frio through this channel does **not** create a client relationship.

Mortgage approvals, rates, terms, and program availability are subject to change and depend on borrower qualifications, including but not limited to credit, income, assets, occupancy, appraisal, underwriting review, and program guidelines.

Not all borrowers will qualify. Equal Housing Lender.

Consumer prices just came in at 3.3%, and the driver is clear — energy.
Oil surged from $60 to $110 amid rising tensions tied to the Iran conflict.

But here’s the real question…
👉 What does this mean for mortgage rates NEXT?

In today’s video, I break down:

Why oil shocks feed directly into inflation
How inflation pressures the bond market (10-year Treasury)
The chain reaction most people miss
And what signals I’m watching RIGHT NOW for the next move in mortgage rates

We’re not just looking at what happened…
👉 We’re breaking down what’s about to happen 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.

🚨 Start Here — My Most Powerful Tools

📊 Track Mortgage Rates Automatically (RateWatch 2.2)
👉 https://www.therateupdate.com/rate-watch

🏠 TRU Mortgage Command Center (Live Market Dashboard)
👉 https://trumortgage.lovable.app/

💳 TRU Debt Optimizer (Lower Payments & Pay Off Debt Faster)
👉 https://trudebtoptimizer.lovable.app/

📞 Work With Me

📅 Schedule a Consultation
👉 https://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05

📝 Apply for a Mortgage (30+ Lenders • 1 Credit Pull)
👉 https://257781.my1003app.com/246527/register

🧮 Mortgage Calculators & Tools
👉 https://stan.store/TRU-Foundations

🧰 Credit & Financial Tools

📊 Credit Monitoring (SmartCredit)
👉 https://www.smartcredit.com/?PID=42980

📈 Free Credit Scores (Credit Karma)
👉 https://wecantrack.com/programs/credit-karma-affiliate-program/?utm_source=chatgpt.com

📲 Follow The Rate Update

YouTube
https://www.youtube.com/@TheRateUpdatewithDanFrio

Instagram
https://instagram.com/therateupdate

TikTok
https://tiktok.com/@therateupdate

⚖️ Important Disclosures

Dan Frio is a licensed mortgage loan officer (NMLS #246527), affiliated with TRU Mortgage Team / PBT Bancorp (NMLS #257781), an Equal Housing Lender.

This content is for educational and informational purposes only and should not be considered financial, legal, or tax advice.

• All opinions expressed are solely those of Dan Frio and do not reflect the views of PBT Bancorp or any affiliated institution.
• Viewing this content does not create a client relationship.
• Mortgage approvals are subject to credit, income, underwriting, and program guidelines.