S2025 Ep235: Advertised 5.75%… Real Rate 6.75%? What Just Happened?! PART 1
Mortgage Rates Today | Housing Market & Fed News – The Rate Update with Dan Frio
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Show Notes
What Mortgage Rate Do You Actually Qualify For in 2026?
If you're shopping for a home loan, refinancing, or comparing mortgage rates online — this live event breaks down the truth behind advertised mortgage rates vs real underwriting pricing.
Most mortgage rate websites show marketing rates.
We show real lender pricing from 30+ lenders.
In this live mortgage rate breakdown, we cover:
• How mortgage rates are determined
• Advertised mortgage rates vs real mortgage rates
• How credit score impacts mortgage rates
• Debt-to-income (DTI) and loan pricing
• FHA vs Conventional vs VA rate differences
• How to shop mortgage lenders without hurting your credit
• Lock vs float strategy based on CPI, Jobs data, MBS & the 10-Year Treasury
• How inflation and Federal Reserve policy affect mortgage rates
If you're asking:
“What mortgage rate can I really get?”
“Should I lock my mortgage rate today?”
“Are mortgage rates going up or down?”
“Why is my quote different than what I saw online?”
This is your data-driven answer.
We tie mortgage pricing directly to:
• CPI (Consumer Price Index)
• Jobs Reports (Nonfarm Payrolls)
• Mortgage-Backed Securities (MBS)
• The 10-Year Treasury Yield
• Federal Reserve rate policy
No hype. Just math.
🔔 Start Here
📈 RateWatch 2.0 — Get Notified When Mortgage Rates Hit Your Target
👉 https://TheRateUpdate.com/ratewatch
📞 Free Mortgage Strategy Call
👉 https://shorturl.at/SCIGL
📝 Apply — One App • One Credit Pull • 30+ Lenders
👉 https://257781.my1003app.com/246527/register
🧮 TRU Mortgage Calculator Toolkit (Professional Tools)
Compare loan programs and run real scenarios:
👉 https://friodan.gumroad.com/l/aejabs
Includes:
• Home Affordability Calculator
• Refinance Calculator
• Debt Consolidation Analysis
• Cost-of-Waiting™ Calculator
• Mortgage Break-Even & ROI
📲 Follow The Rate Update
YouTube: https://www.youtube.com/@TheRateUpdatewithDanFrio
Instagram: https://instagram.com/therateupdate
TikTok: https://tiktok.com/@therateupdate
Facebook: https://facebook.com/therateupdate
LinkedIn: https://www.linkedin.com/in/danfrio
⚖️ Compliance
Dan Frio | NMLS #246527
Equal Housing Lender | TRU Mortgage Team / PBT Bancorp | NMLS #257781
For educational purposes only. Not financial advice. Loan approval subject to underwriting guidelines. Not a commitment to lend.