🏦 YOUR REAL MORTGAGE RATE — REVEALED LIVE!
Stop guessing based on headlines. Every week we pull live, real-time pricing from 30+ lenders to show you exactly what YOU can qualify for. Transparent. Accurate. No hype. Just the truth homeowners, homebuyers, and professionals need.

✔️ Live real-time mortgage rates
✔️ What YOU qualify for based on today’s market
✔️ Lock vs Float guidance
✔️ Fed • CPI • Jobs • MBS • 10-Yr Treasury explained
✔️ Daily pricing shifts broken down simply
✔️ Live viewer scenario pricing + education

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0:00 – Mortgage Rates Fell… So Why Is Housing Still Unaffordable?
0:28 – Mortgage Rates Down Over 2%: What Changed?
1:12 – Lower Rates ≠ Lower Payments (Here’s Why)
2:05 – Home Prices Aren’t Falling Like People Expected
2:58 – Property Taxes Are Exploding
3:48 – Home Insurance Costs Are Skyrocketing
4:42 – The REAL Monthly Payment Problem
5:30 – Why Buyers Still Feel Priced Out
6:18 – What Needs to Happen for Housing to Become Affordable Again
7:15 – What This Means for Homebuyers and Homeowners Right Now
8:00 – Final Thoughts & What to Watch Next

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🏦 ABOUT DAN FRIO

35+ years of mortgage expertise.
Helping homeowners, buyers, and real estate pros win with clarity, transparency & experience.

⚖️ COMPLIANCE & DISCLAIMER

NMLS #246527
Equal Housing Lender | TRU Mortgage Team / PBT Bancorp

The views shared are my personal opinions and educational commentary. They do not necessarily represent the views of PBT Bancorp or affiliates. Content is for educational and entertainment purposes only and is not financial, legal, investment, or trading advice. Always consult a qualified professional for your specific situation.