Mortgage Rates SET TO PLUNGE Today as Oil Crashes on Iran Peace Hopes

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MORTGAGE RATES COULD PLUNGE TODAY — HERE’S WHY

Oil prices are crashing on hopes that the Iran conflict may be nearing a resolution — and that could be a major turning point for mortgage rates.

Why does this matter?

Because when oil spikes, inflation fears rise.
When inflation fears rise, bond yields usually move higher.
And when the 10-Year Treasury and mortgage-backed securities get hit, mortgage rates often move higher too.

But today, the opposite may be happening.

Oil is falling.
Treasury yields are dropping.
Bond markets are rallying.
And mortgage rates may get a second chance to improve.

For homebuyers, this could mean better affordability.
For homeowners, this could reopen refinance conversations.
And for anyone who thought they missed their chance, today’s market move could be the reminder that mortgage rates can change fast.

In today’s video, I break down:

✅ Why oil prices matter to mortgage rates
✅ How Iran peace hopes are affecting the bond market
✅ Why the 10-Year Treasury is so important
✅ What this could mean for homebuyers
✅ What homeowners should watch before refinancing
✅ Why this is NOT the time to guess — it’s the time to monitor your numbers

No hype. Just real data.

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CHAPTERS
00:00 Mortgage Rates Could Plunge Today
00:45 Why Oil Prices Are Crashing
02:05 How Iran Peace Hopes Hit the Market
03:20 Why Oil Matters to Inflation
04:35 The 10-Year Treasury Connection
05:55 What This Means for Mortgage Rates
07:20 Homebuyers: Did You Get a Second Chance?
08:50 Homeowners: Should You Watch for a Refinance?
10:15 Lock or Float? What to Consider
11:40 Why You Need RateWatch
12:45 Final Thoughts and Next Steps

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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 published by Dan Frio are provided 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, a 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, including but not limited to 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.

Use of this channel, watching videos, commenting, messaging, scheduling a consultation, or submitting information does not create a client relationship. All examples, payment scenarios, savings illustrations, and mortgage comparisons are for demonstration purposes only and should be independently verified.

Not all borrowers will qualify. Equal Housing Lender.

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