Advertised 5.75%… Real Rate 6.75%? What Just Happened?! PART 1

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 | PBT Bancorp | NMLS #257781
For educational purposes only. Not financial advice. Loan approval subject to underwriting guidelines. Not a commitment to lend.

Dan Frio | NMLS #246527 | PBT Bancorp | NMLS #257781 | Equal Housing Lender | 524 Main St, Hazard, KY 41701. Mortgage products are originated by PBT Bancorp, NMLS #257781. Education and commentary only; not an offer or commitment to lend.