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 break down WHY and answer the big question:
👉 Should you LOCK or FLOAT 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=2025-05

Welcome to The Rate Update

We 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 & Homeowners
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
FICO 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._RilXJ8XHzBjtexg
Budgeting Tool
👉 https://dashboard.thebudget.app/refferal?ref_code=Dan59062
Home Warranty
👉 https://www.jdoqocy.com/click-101566903-12343542
📊 Mortgage Pros / Realtors
Live MBS & Rate Data
👉 http://www.mbslive.net?rid=GFC7FA
🎥 Content Creators / YouTubers
Grow on YouTube (vidIQ)
👉 https://vidiq.com/TRUMortgageRate
YouTube SEO & Tags (TubeBuddy)
👉 https://www.tubebuddy.com/pricing?a=TheMortgageUpdate

Follow The Rate Update:

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

Instagram
https://instagram.com/therateupdate

TikTok
https://tiktok.com/@therateupdate

⚖️ 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.

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?

📉 Track Mortgage Rates (FREE — Get Alerts When Rates Drop)

👉 https://www.therateupdate.com/rate-watch

📞 Want a Personalized Mortgage Strategy?

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

📝 Apply Now (1 Application • 1 Credit Pull • 30+ Lenders)

👉 https://257781.my1003app.com/246527/register

🧮 TRU Mortgage Calculator Toolkit

👉 https://stan.store/TRU-Foundations

🧠 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

📊 Tools, Resources & Affiliates

Budgeting Tool
👉 https://dashboard.thebudget.app/refferal?ref_code=Dan59062

Home Warranty
👉 https://www.jdoqocy.com/click-101566903-12343542

📊 Mortgage Pros / Realtors
Live MBS & Rate Data
👉 http://www.mbslive.net?rid=GFC7FA

🎥 Content Creators / YouTubers

Grow on YouTube (vidIQ)
👉 https://vidiq.com/TRUMortgageRate

YouTube SEO & Tags (TubeBuddy)
👉 https://www.tubebuddy.com/pricing?a=TheMortgageUpdate

📲 Follow The Rate Update

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

Instagram
https://instagram.com/therateupdate

TikTok
https://tiktok.com/@therateupdate

⚖️ 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.

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 break down WHY and answer the big question:
👉 Should you LOCK or FLOAT 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=2025-05

Welcome to The Rate Update

We 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 & Homeowners
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
FICO 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._RilXJ8XHzBjtexg
Budgeting Tool
👉 https://dashboard.thebudget.app/refferal?ref_code=Dan59062
Home Warranty
👉 https://www.jdoqocy.com/click-101566903-12343542
📊 Mortgage Pros / Realtors
Live MBS & Rate Data
👉 http://www.mbslive.net?rid=GFC7FA
🎥 Content Creators / YouTubers
Grow on YouTube (vidIQ)
👉 https://vidiq.com/TRUMortgageRate
YouTube SEO & Tags (TubeBuddy)
👉 https://www.tubebuddy.com/pricing?a=TheMortgageUpdate

Follow The Rate Update:

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

Instagram
https://instagram.com/therateupdate

TikTok
https://tiktok.com/@therateupdate

⚖️ 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.