Iran Strikes A Ship... And The Fed Meets TODAY

Mortgage rates are on edge today as oil prices spike and the Federal Reserve meets to decide what happens next with interest rates. I'm breaking down what's driving today's move and what it means for your rate.

Today isn't a normal day. Iran struck another ship, oil jumped 6%, and the Federal Reserve is meeting this afternoon to figure out where the federal funds rate goes from here. I walk through the bond market, the inflation data, the jobs numbers, and exactly what I'm telling my own clients to do right now if they're under contract, sitting on the sidelines, or thinking about refinancing.

In this video I cover: • Why oil prices jumping 6% in one day is hitting the mortgage bond market • What the Federal Reserve actually controls and how it ripples into your rate • The real CPI, PPI, and jobs numbers the Fed is watching this week • Why inflation is dropping when you strip out oil and energy • What I'm advising clients to do today: lock, wait, or hold

Read the full breakdown on my blog: Fed Rate Call During a Global Crisis: Mortgage Rate Snapshot Today — https://www.therateupdate.com/blog/fed-rate-call-global-crisis-mortgage-rate-snapshot-today

And for more on where rates could head next: CPI Drops, Jobs Cool: Is a Fed Rate Cut Finally Coming? — https://www.therateupdate.com/blog/cpi-drops-jobs-cool-is-a-fed-rate-cut-finally-coming

CHAPTERS
0:00 Oil spikes, Iran conflict, and today's Fed meeting 1:30 How the Federal Reserve actually controls rates 3:15 CPI, PPI, and the inflation data the Fed is watching 5:45 Jobs numbers and where the cracks are showing 7:30 What I'm telling my clients to do right now

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Welcome to The Rate Update with Dan Frio.

This channel helps homebuyers, homeowners, real estate professionals, and anyone watching the housing market understand what is really happening with mortgage rates, housing, inflation, the bond market, the Federal Reserve, and the economy.

My goal is simple: No hype. Just real data, clear explanations, and practical next steps.

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I am a federally registered mortgage loan originator with PBT Bancorp. 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.

All opinions are my own and do not represent PBT Bancorp, The Rate Update, or any financial institution I may be employed by or affiliated with.

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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.