Could a Fed pause open a refinance window?

Mortgage rates are getting better today after a weak jobs report, and I'm breaking down what it means for homebuyers, homeowners, and realtors. The bond market is up 54 points, unemployment ticked up to 4.2%, and wages (3.0%) are not keeping up with inflation. Here's what that means for mortgage rates and the Federal Reserve's next move.

🏠 Jobs report comes in weak: payrolls miss, unemployment rises, and why markets expected the opposite
 📉 Bond market jumps 54 points, which is good news for mortgage rates today
 💵 Wages at 3.0% are not keeping up with inflation, and what the Fed is watching
 🛢️ Oil below $100 a barrel and why it matters for inflation and the Fed's rate hike odds
 🔁 Refinance windows since 2022 and why homeowners may have another one coming
 🏡 Home prices are up 65% since 2019: what that means if you're waiting on the sidelines for a crash

Read more on the blog: https://www.therateupdate.com/blog

CHAPTERS
 0:00 Weak jobs report and what it means for mortgage rates
 1:30 Bond market jumps 54 points and this week's data
 5:30 Home prices and mortgage rates since COVID
 8:30 Refinance windows and Fed rate hike expectations
 10:45 Free tools: Loan Estimate review and Rate Watch

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WHAT YOU'LL FIND ON THIS CHANNEL
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 📉 Housing market news and home price trends
 📊 Inflation, CPI, and Federal Reserve analysis
 📈 10-Year Treasury and mortgage bond movement
 💰 Refinance and debt consolidation opportunities
 🏡 First-time homebuyer education
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WHERE TO START

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TOP RESOURCES

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DISCLAIMER

Dan Frio | NMLS #246527 | PBT Bancorp | NMLS #257781 | Equal Housing Lender
 524 Main St, Hazard, KY 41701
 NMLS Consumer Access: https://www.nmlsconsumeraccess.org/

Dan Frio is a federally registered mortgage loan originator with PBT Bancorp. Mortgage products are originated by PBT Bancorp, NMLS #257781.

This channel is for education and commentary only. Topics may include mortgage rates, real estate, housing, stocks, bonds, cryptocurrency, inflation, the Federal Reserve, and financial markets.

All opinions are my own and do not represent PBT Bancorp or any financial institution I may be employed by or affiliated with.

Nothing on this channel is an offer to lend, a commitment to lend, or financial, legal, tax, or investment advice. Mortgage rates, terms, approvals and programs are subject to borrower qualifications, market conditions, underwriting approval, and change without notice. Not all borrowers will qualify.

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