Your TRUE Mortgage Rate — Live Demo + What You Qualify For (Part 2)

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

My goal is simple: help you understand mortgage rates — and more importantly, the WHY behind what’s happening.

Today we break down WHY and answer the big question:
👉 Should you LOCK or FLOAT right now?

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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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🧰 TRU Tools & Resources
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Credit Monitoring (SmartCredit)
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Free Credit Scores (Credit Karma)
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Budgeting Tool
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Home Warranty
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Live MBS & Rate Data
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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.

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.