🚨 LIVE: Mortgage Rates Moving NOW — Jobs, Retail Sales & Markets React PART 2

From The Mortgage Update with Dan Frio Podcast Dan Frio

Hey — Dan Frio here, federally registered mortgage loan originator with PBT Bancorp.

Today’s market is on the move. We just got fresh economic data — including ADP payroll numbers, retail sales, and manufacturing reports — and the markets are reacting in real time.

Stocks are shifting. Bonds are moving. And mortgage rates? They’re responding fast.

So the big question is:
👉 Should you LOCK or FLOAT right now?

In this live update, I break down:

What today’s economic data actually means
How it’s impacting mortgage rates RIGHT NOW
What I’m watching next (including the President’s speech)
And how this affects homebuyers, homeowners, and anyone thinking about refinancing

No hype. Just real data — and the WHY behind it.

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🏠 Welcome to The Rate Update

We break down mortgage rates, inflation, the Federal Reserve, and the bond market — so you can make smarter decisions when buying, refinancing, or timing the housing market.

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⚖️ Mortgage Compliance Disclosure

Dan Frio | NMLS #246527
PBT Bancorp | NMLS #257781
Equal Housing Lender

The views and opinions expressed are solely those of Dan Frio and do not reflect the views of PBT Bancorp or any other entity.

This content is for educational and entertainment purposes only and should not be considered financial, legal, or tax advice. All scenarios are illustrative and subject to change. Please consult a licensed professional regarding your specific situation.

⏱ CHAPTERS

0:00 Intro — Mortgage Rates Moving NOW
1:15 What Just Hit: ADP Jobs Report
4:30 Retail Sales Breakdown
7:45 Manufacturing Data & Market Reaction
10:30 Stocks, Bonds & Crypto — What’s Moving
14:00 10-Year Treasury & Mortgage Rate Impact
18:30 President Speech — What to Watch
22:00 Lock vs Float Strategy RIGHT NOW
26:00 What Happens Next