The Rate Update —The Iran War Just Spiked Oil Prices — And Your Mortgage Rate

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

🚨 Mortgage rates are no longer just about the Fed… they’re now tied to OIL.

With rising tensions involving Iran and potential disruption in the Strait of Hormuz, oil prices are spiking — and that creates inflation pressure almost immediately.

And when inflation rises…
👉 the bond market reacts
👉 the 10-Year Treasury moves
👉 mortgage rates follow

So the real question is:
👉 Are mortgage rates about to spike next?
👉 And more importantly… should you LOCK or FLOAT right now?

In today’s video, we break it all down in simple terms:
• Why oil prices are now driving mortgage rates
• What the Iran conflict means for inflation
• How the bond market is reacting right now
• A real strategy to time your mortgage (without guessing)

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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.

No hype. Just real data.

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⏱️ Chapters (9-Minute Breakdown)

0:00 🚨 Oil Spike Alert — Why This Matters
0:30 🌍 Iran Conflict & Strait of Hormuz Explained
1:20 🛢️ Why Oil Prices Drive Inflation
2:30 📈 Inflation → Bond Market → Mortgage Rates
3:45 📊 What the 10-Year Treasury Is Doing
5:00 🏠 Why Mortgage Rates Could Move Next
6:15 🔍 Payment Impact from Rate Changes
7:15 ⚖️ Lock vs Float Strategy Right Now
8:20 🎯 How to Track Your Target Rate (RateWatch)
9:00 🔚 Final Thoughts — Don’t Guess, Track It

⚖️ 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.

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.