The Rate Update —Iran Headlines, Oil Prices, and Your Mortgage Rate — What's Connected

Mortgage rates are starting the week near recent lows — but this could be a major turning point.

This week, the Federal Reserve meets, oil prices are back in focus because of Iran headlines, and several major economic reports could move the bond market, Treasury yields, mortgage-backed securities, and ultimately mortgage rates.

In today’s Rate Update, I break down:

✅ Where mortgage rates are right now
✅ Why the Federal Reserve announcement matters this week
✅ How oil prices and Iran headlines can impact inflation expectations
✅ Why inflation is still a key driver for mortgage rates
✅ What buyers should consider before locking or floating
✅ What homeowners should know if they’re waiting to refinance

Mortgage rates do not move in a vacuum.

They are affected by inflation, Federal Reserve policy, the 10-year Treasury, mortgage-backed securities, oil prices, geopolitical risk, and economic data.

So if you’re buying, refinancing, or waiting for rates to drop, this is a week where you need to understand the WHY behind the market — not just the headline mortgage rate.

CHAPTERS

00:00 Mortgage Rates and the Fed This Week
00:28 Why This Is a Big Week for Rates
01:00 Where Mortgage Rates Are Today
01:45 The Command Center: Rates, Bonds, and the 10-Year Treasury
02:25 Why Oil and Iran Matter to Mortgage Rates
03:15 How Inflation Impacts Mortgage Rates
03:50 Federal Reserve Meeting Expectations
04:30 Economic Calendar: What Could Move Rates This Week
05:25 What Homebuyers Should Watch Before Locking
06:05 What Homeowners Should Know About Refinancing
06:45 Don’t Guess — Track Your Target Rate
07:15 Final Thoughts and Next Steps

🔗 NEXT STEPS

🏠 Ready to Buy or Refinance? Get Pre-Approved  
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✉️ Have Questions? Contact / Ask Dan  
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TOP RESOURCES

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🧮 Mortgage Calculators & Tools → https://stan.store/TRU-Foundations
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📈 Free Credit Scores → https://www.creditkarma.com/lp/free-credit-scores-v12aff?adcopy=0&adcampaign=core_acq_awin

Welcome to The Rate Update with Dan Frio.

I break down mortgage rates, housing, inflation, Treasury yields, Federal Reserve policy, and the economic news that impacts homebuyers, homeowners, real estate professionals, and anyone watching the housing market.

My goal is simple: help you understand what’s happening, why it matters, and what you should do next.

WORK WITH ME

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

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

This channel and all content are for educational and informational purposes only. Nothing in this video, description, comments, calculators, tools, emails, websites, or linked content should be construed as an offer to lend, commitment to lend, financial advice, legal advice, tax advice, or investment advice.

Mortgage approvals, loan terms, interest rates, down payment requirements, and program availability are subject to change without notice and depend on borrower qualifications, credit score, income, assets, employment, property type, occupancy, appraisal, title, underwriting approval, and current lending guidelines.

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

Not all borrowers will qualify. Equal Housing Lender.

TRU Mortgage Team / PBT Bancorp
NMLS #257781
Dan Frio NMLS #246527
Equal Housing Lender