S2025 Ep236: Advertised 5.75%… Real Rate 6.75%? What Just Happened?! PART 3

Описание: What Mortgage Rate Do You Actually Qualify For in 2026?


If you're shopping for a home loan, refinancing, or comparing mortgage rates online — this live event breaks down the truth behind advertised mortgage rates vs real underwriting pricing.


Most mortgage rate websites show marketing rates.
We show real lender pricing from 30+ lenders.


In this live mortgage rate breakdown, we cover:


• How mortgage rates are determined
• Advertised mortgage rates vs real mortgage rates
• How credit score impacts mortgage rates
• Debt-to-income (DTI) and loan pricing
• FHA vs Conventional vs VA rate differences
• How to shop mortgage lenders without hurting your credit
• Lock vs float strategy based on CPI, Jobs data, MBS & the 10-Year Treasury
• How inflation and Federal Reserve policy affect mortgage rates


If you're asking:
“What mortgage rate can I really get?”
“Should I lock my mortgage rate today?”
“Are mortgage rates going up or down?”
“Why is my quote different than what I saw online?”


This is your data-driven answer.


We tie mortgage pricing directly to:
• CPI (Consumer Price Index)
• Jobs Reports (Nonfarm Payrolls)
• Mortgage-Backed Securities (MBS)
• The 10-Year Treasury Yield
• Federal Reserve rate policy


No hype. Just math.


🔔 Start Here


📈 RateWatch 2.0 — Get Notified When Mortgage Rates Hit Your Target
👉 https://TheRateUpdate.com/ratewatch


📞 Free Mortgage Strategy Call
👉 https://shorturl.at/SCIGL


📝 Apply — One App • One Credit Pull • 30+ Lenders
👉 https://257781.my1003app.com/246527/r...


🧮 TRU Mortgage Calculator Toolkit (Professional Tools)


Compare loan programs and run real scenarios:
👉 https://friodan.gumroad.com/l/aejabs


Includes:
• Home Affordability Calculator
• Refinance Calculator
• Debt Consolidation Analysis
• Cost-of-Waiting™ Calculator
• Mortgage Break-Even & ROI


📲 Follow The Rate Update


YouTube:    / @therateupdatewithdanfrio  


Instagram:   / therateupdate  


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Facebook:   / therateupdate  


LinkedIn:   / danfrio  


⚖️ Compliance


Dan Frio | NMLS #246527
Equal Housing Lender | TRU Mortgage Team / PBT Bancorp | NMLS #257781
For educational purposes only. Not financial advice. Loan approval subject to underwriting guidelines. Not a commitment to lend.