Why the Fed Can't Cut Rates (Even Though Everyone Wants Them To)

99% chance of NO Fed rate cut?

In today’s video, we break down why the Federal Reserve may not be ready to cut interest rates — even though homebuyers, homeowners, and the housing market are all waiting for relief.

The big issue: the economy is still too strong, inflation is still too sticky, and the Fed does not want to cut too early and risk reigniting inflation.

That matters because the Fed does NOT directly set mortgage rates — but Fed policy, inflation, the 10-Year Treasury, and mortgage bonds all help drive where mortgage rates move next.

So if you’re waiting for mortgage rates to drop before buying a home or refinancing, this is the data you need to understand.

Watch here:
https://youtu.be/mXfhEySRie8

🔗 NEXT STEPS

🏠 Ready to Buy or Refinance? Get Pre-Approved  
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📅 Want to Talk Through Your Options? Schedule a Consultation  
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✉️ Have Questions? Contact / Ask Dan  
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TOP RESOURCES

📉 Track Mortgage Rates Automatically → https://rw2.therateupdate.com/

🏠 TRU Mortgage Command Center → https://command.therateupdate.com/

💳 TRU Debt Optimizer → https://debtrelief.therateupdate.com/

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

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

📈 Free Credit Scores (Credit Karma) → https://www.creditkarma.com/lp/free-credit-scores-v12aff?adcopy=0&adcampaign=core_acq_awin

VIDEO CHAPTERS

00:00 Why everyone wants the Fed to cut rates  
00:45 The 99% no-rate-cut setup  
01:35 Why the Fed may stay on hold  
02:40 Inflation is still the problem  
03:45 Why a strong economy can keep rates higher  
04:55 How the 10-Year Treasury impacts mortgage rates  
06:10 What mortgage bonds are telling us  
07:20 What this means for homebuyers  
08:30 What this means for homeowners waiting to refinance  
09:45 Should you wait for lower rates?  
11:00 How to monitor your opportunity  
12:00 Final thoughts and next steps  

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.

On this channel, you’ll find content about mortgage rates, housing market updates, refinance opportunities, homebuying strategies, inflation, Federal Reserve news, Treasury and bond market movements, and tools to help you make smarter mortgage decisions.

WORK WITH ME

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

📝 Apply for a Mortgage → https://257781.my1003app.com/246527/register

📨 Contact / Ask Dan → https://www.therateupdate.com/contact

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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 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 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