{"type":"rich","version":"1.0","title":"Could a Fed pause open a refinance window?","description":"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.\n\n🏠 Jobs report comes in weak: payrolls miss, unemployment rises, and why markets expected the opposite\n 📉 Bond market jumps 54 points, which is good news for mortgage rates today\n 💵 Wages at 3.0% are not keeping up with inflation, and what the Fed is watching\n 🛢️ Oil below $100 a barrel and why it matters for inflation and the Fed's rate hike odds\n 🔁 Refinance windows since 2022 and why homeowners may have another one coming\n 🏡 Home prices are up 65% since 2019: what that means if you're waiting on the sidelines for a crash\n\nRead more on the blog: https://www.therateupdate.com/blog\n\nCHAPTERS\n 0:00 Weak jobs report and what it means for mortgage rates\n 1:30 Bond market jumps 54 points and this week's data\n 5:30 Home prices and mortgage rates since COVID\n 8:30 Refinance windows and Fed rate hike expectations\n 10:45 Free tools: Loan Estimate review and Rate Watch\n\n🏠 APPLY NOW — One Application, One Credit Pull, 30+ Lenders Compared\n https://257781.my1003app.com/246527/register\n\n📅 REQUEST A FREE CONSULTATION\n https://go.oncehub.com/solvitmortgagealan\n\n🔍 FREE LE REVIEW — Already have a quote? Send me your Loan Estimate and I'll compare it against 30+ lenders\n https://www.therateupdate.com/loan-estimate-review\n\n📉 JOIN RATE WATCH — FREE Rate Monitoring\n https://rw2.therateupdate.com/\n\nWHAT YOU'LL FIND ON THIS CHANNEL\n 🏠 Daily mortgage rate updates\n 📉 Housing market news and home price trends\n 📊 Inflation, CPI, and Federal Reserve analysis\n 📈 10-Year Treasury and mortgage bond movement\n 💰 Refinance and debt consolidation opportunities\n 🏡 First-time homebuyer education\n 🔁 Rate Watch mortgage monitoring tools\n 🧮 Mortgage calculators and payment tools\n\nWHERE TO START\n\n🏡 Buying a home — FHA, VA, USDA, conventional, jumbo and down payment assistance\n https://www.therateupdate.com/first-time-home-buyer\n\n🔁 Refinancing or accessing equity — cash-out, FHA Streamline, VA IRRRL, HELOC and reverse\n https://www.therateupdate.com/homeowner-options\n\n🏢 Buying rentals — DSCR on 1 to 8 units, bank statement and no-income options\n https://www.therateupdate.com/investment-property-loans\n\n🎁 Down payment assistance — 3.5% to 5%, including grants you never repay\n https://www.therateupdate.com/down-payment-assistance\n\nTOP RESOURCES\n\n📊 TRU Mortgage Command Center — Live Rate Dashboard\n https://command.therateupdate.com/\n\n💳 TRU Debt Optimizer\n https://debtrelief.therateupdate.com/\n\n🧮 Mortgage Calculators & Tools\n https://www.therateupdate.com/mortgage-calculators\n\n✉️ Ask Dan a Question\n https://www.therateupdate.com/contact\n\nFOLLOW THE RATE UPDATE\n\nYouTube: https://www.youtube.com/@TheRateUpdatewithDanFrio\n Instagram: https://instagram.com/therateupdate\n TikTok: https://tiktok.com/@therateupdate\n\nIf this helped you understand mortgage rates a little better, subscribe and turn on notifications so you catch the next update.\n\nDISCLAIMER\n\nDan Frio | NMLS #246527 | PBT Bancorp | NMLS #257781 | Equal Housing Lender\n 524 Main St, Hazard, KY 41701\n NMLS Consumer Access: https://www.nmlsconsumeraccess.org/\n\nDan Frio is a federally registered mortgage loan originator with PBT Bancorp. Mortgage products are originated by PBT Bancorp, NMLS #257781.\n\nThis 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.\n\nAll opinions are my own and do not represent PBT Bancorp or any financial institution I may be employed by or affiliated with.\n\nNothing 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.\n\n#MortgageRates #JobsReport #HousingMarket #FederalReserve #BondMarket #Refinance #Homebuyers #Realtors #TheRateUpdate","author_name":"Mortgage Rates Today | Housing Market & Fed News – 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/43865635/600x600/c","thumbnail_width":600,"thumbnail_height":600,"html":"<iframe width=\"100%\" height=\"95\" src=\"https://embeds.audioboom.com/posts/8959850/embed?v=202301\" style=\"background-color: transparent; display: block; padding: 0; width: 100%\" frameborder=\"0\" allowtransparency=\"allowtransparency\" scrolling=\"no\" title=\"Audioboom player\" allow=\"autoplay\" sandbox=\"allow-downloads allow-forms allow-popups allow-same-origin allow-scripts allow-storage-access-by-user-activation allow-top-navigation-by-user-activation\"></iframe>"}