Advertised 5.75%… Real Rate 6.75%? What Just Happened?! PART 1

What Mortgage Rate Do You Actually Qualify For in 2026?

If you're shopping for a home loan, refinancing, or comparing mortgage rates online — this live event breaks down the truth behind advertised mortgage rates vs real underwriting pricing.

Most mortgage rate websites show marketing rates.
 We show real lender pricing from 30+ lenders.

In this live mortgage rate breakdown, we cover:

• How mortgage rates are determined
 • Advertised mortgage rates vs real mortgage rates
 • How credit score impacts mortgage rates
 • Debt-to-income (DTI) and loan pricing
 • FHA vs Conventional vs VA rate differences
 • How to shop mortgage lenders without hurting your credit
 • Lock vs float strategy based on CPI, Jobs data, MBS & the 10-Year Treasury
 • How inflation and Federal Reserve policy affect mortgage rates

If you're asking:
 “What mortgage rate can I really get?”
 “Should I lock my mortgage rate today?”
 “Are mortgage rates going up or down?”
 “Why is my quote different than what I saw online?”

This is your data-driven answer.

We tie mortgage pricing directly to:
 • CPI (Consumer Price Index)
 • Jobs Reports (Nonfarm Payrolls)
 • Mortgage-Backed Securities (MBS)
 • The 10-Year Treasury Yield
 • Federal Reserve rate policy

No hype. Just math.

🔔 Start Here

📈 RateWatch 2.0 — Get Notified When Mortgage Rates Hit Your Target
 👉 https://TheRateUpdate.com/ratewatch

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

📝 Apply — One App • One Credit Pull • 30+ Lenders
 👉 https://257781.my1003app.com/246527/register

🧮 TRU Mortgage Calculator Toolkit (Professional Tools)

Compare loan programs and run real scenarios:
 👉 https://friodan.gumroad.com/l/aejabs

Includes:
 • Home Affordability Calculator
 • Refinance Calculator
 • Debt Consolidation Analysis
 • Cost-of-Waiting™ Calculator
 • Mortgage Break-Even & ROI

📲 Follow The Rate Update

YouTube: https://www.youtube.com/@TheRateUpdatewithDanFrio
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TikTok: https://tiktok.com/@therateupdate
Facebook: https://facebook.com/therateupdate
LinkedIn: https://www.linkedin.com/in/danfrio

⚖️ Compliance

Dan Frio | NMLS #246527
 Equal Housing Lender | TRU Mortgage Team / PBT Bancorp | NMLS #257781
 For educational purposes only. Not financial advice. Loan approval subject to underwriting guidelines. Not a commitment to lend.