{"type":"rich","version":"1.0","title":"The Rate Update Oil Prices Just Changed Your Mortgage Rate","description":"๐Ÿ”— NEXT STEPS\n\n๐Ÿ  Ready to Buy or Refinance? Get Pre-Approved\nhttps://257781.my1003app.com/246527/register\n\n๐Ÿ“… Want to Talk Through Your Options? Schedule a Consultation\nhttps://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05\n\nโœ‰๏ธ Have Questions? Contact / Ask Dan\nhttps://www.therateupdate.com/contact\n\n---\n\nThe Rate Update: Geopolitics, Oil, and Mortgage Reality\n\nMortgage rates do not move in a vacuum.\n\nIn todayโ€™s video, I break down how geopolitics, oil prices, inflation concerns, Treasury yields, and the bond market can affect what homebuyers and homeowners care about most:\n\nCan I still afford the house?\nShould I buy now or wait?\nDoes refinancing still make sense?\nWhat happens to my monthly payment if rates move higher?\n\nWith renewed concerns around Iran, oil prices, and global market volatility, the big question is whether these events could push inflation expectations higher โ€” and whether that could put more pressure on the 10-Year Treasury yield and mortgage rates.\n\nThis matters because even a small move in mortgage rates can change a buyerโ€™s approval amount, monthly payment, refinance savings, and overall affordability.\n\nIn this video:\n- Why oil prices matter to mortgage rates\n- How geopolitical risk can affect inflation expectations\n- Why the 10-Year Treasury yield matters for home loans\n- What homebuyers should watch before making an offer\n- What homeowners should consider before refinancing\n- Why this weekโ€™s economic data could move rates\n- The difference between headline fear and real mortgage math\n\nThe goal is not to panic. The goal is to understand the connection between the headlines and your payment.\n\nCHAPTERS\n0:00 โ€” Geopolitics, Oil, and Mortgage Rates\n0:42 โ€” Why Iran and Oil Matter to Homebuyers\n1:32 โ€” Oil Prices, Inflation, and the Bond Market\n2:25 โ€” The 10-Year Treasury and Mortgage Rates\n3:30 โ€” Why Mortgage Rates Do Not Move in a Vacuum\n4:28 โ€” Higher Rates and Buying Power\n5:34 โ€” Can Homebuyers Still Qualify?\n6:38 โ€” Does Refinancing Still Make Sense?\n7:35 โ€” Lock, Float, Buy, or Wait?\n8:42 โ€” This Weekโ€™s Economic Data to Watch\n9:42 โ€” What Could Calm Mortgage Rates Down\n10:38 โ€” What Could Push Mortgage Rates Higher\n11:25 โ€” Final Takeaway for Buyers and Homeowners\n\nTOP RESOURCES\n๐Ÿ“‰ Track Mortgage Rates Automatically โ†’ https://rw2.therateupdate.com/\n๐Ÿ  TRU Mortgage Command Center โ†’ https://command.therateupdate.com/\n๐Ÿ’ณ TRU Debt Optimizer โ†’ https://debtrelief.therateupdate.com/\n๐Ÿงฎ Mortgage Calculators & Tools โ†’ https://stan.store/TRU-Foundations\n๐Ÿ“Š Credit Monitoring (SmartCredit) โ†’ https://www.smartcredit.com/?PID=42980\n๐Ÿ“ˆ Free Credit Scores (Credit Karma) โ†’ https://www.creditkarma.com/lp/free-credit-scores-v12aff?adcopy=0&adcampaign=core_acq_awin\n\nWelcome to The Rate Update with Dan Frio.\n\nI 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.\n\nWORK WITH ME\n๐Ÿ“… Schedule a Consultation โ†’ https://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05\n๐Ÿ“ Apply for a Mortgage โ†’ https://257781.my1003app.com/246527/register\n๐Ÿ“จ Contact / Ask Dan โ†’ https://www.therateupdate.com/contact\n\nFOLLOW THE RATE UPDATE\nYouTube โ†’ https://www.youtube.com/@TheRateUpdatewithDanFrio\nInstagram โ†’ https://instagram.com/therateupdate\nTikTok โ†’ https://tiktok.com/@therateupdate\n\nโ€” DISCLAIMER โ€”\nDan 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.\n\nThis 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.\n\nMortgage 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.\n\nAll opinions expressed are solely those of Dan Frio and do not necessarily reflect the views of PBT Bancorp or its affiliates.\n\nUse of this channel, watching videos, commenting, messaging, scheduling a consultation, or submitting information does not create a client relationship. Examples, payment scenarios, savings illustrations, and mortgage comparisons are for demonstration purposes only and should be independently verified.\n\nNot all borrowers will qualify. Equal Housing Lender.\n\nTRU Mortgage Team / PBT Bancorp\nNMLS #257781\nDan Frio NMLS #246527\nEqual Housing Lender","author_name":"Mortgage Rates Today | Housing Market & Fed News โ€“ The Rate Update with Dan Frio","author_url":"https://audioboom.com/channels/5005820-mortgage-rates-today-housing-market-fed-news-the-rate-update-with-dan-frio","provider_name":"Audioboom","provider_url":"https://audioboom.com","width":480,"height":95,"thumbnail_url":"https://audioboom.com/i/43628189/600x600/c","thumbnail_width":600,"thumbnail_height":600,"html":""}