INFLATION Just Turned NEGATIVE: Mortgage Rates Could Retest 5.99%

🚨 Mortgage rates rallied today after both CPI and PPI inflation reports came in negative — one of the strongest back-to-back inflation readings in months for homebuyers and homeowners. In this daily mortgage rate update, licensed mortgage loan officer Dan Frio breaks down today's Producer Price Index (PPI) report, yesterday's Consumer Price Index (CPI) report, why core inflation cooling is pushing mortgage rates lower, what oil at $79 a barrel and a stock rally led by JPMorgan, Goldman Sachs, Bank of America, and Citi mean for the bigger picture, and whether mortgage rates are heading back to 5.99% or climbing toward 7%.

If you're a homebuyer, homeowner, real estate agent, or loan officer tracking mortgage rates today, this video breaks down the real economic data behind today's rate movement — not just the headlines.

⏱️ CHAPTERS

0:00 Today's Big Question: Is a Fed Rate Hike Off the Table? 1:30 CPI and PPI Both Come In Negative 4:00 Why Stocks Are Rallying Despite Oil at $79 6:00 What the Fed Meeting in 14 Days Could Mean 9:00 Rate Chart Update: Testing the 5.99% Low and What to Do Next

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⚖️ COMPLIANCE & DISCLOSURE

The views, opinions, and forecasts shared in this video are those of Dan Frio personally and do not represent the views, opinions, or positions of PBT Bancorp, The Rate Update, or any other company, employer, or organization Dan Frio is affiliated with.

Dan Frio is not a licensed financial planner, financial advisor, tax advisor, or investment advisor. Nothing in this video or on this channel should be construed as personalized financial, investment, tax, or legal advice — it is general education and commentary only. Always consult a licensed professional about your specific situation before making a financial decision.

Welcome to The Rate Update with Dan Frio — your daily source for mortgage rates today, housing market updates, inflation data (CPI, PPI, PCE), Federal Reserve policy, and bond market analysis.

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DISCLAIMER

Dan Frio is a federally registered mortgage loan originator with PBT Bancorp. Mortgage products are originated by PBT Bancorp, NMLS #257781. NMLS #246527 | PBT Bancorp NMLS #257781 | Equal Housing Lender.

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.

Nothing on this channel is an offer to lend, a commitment to lend, 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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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.