29 December 2025
S2025 Ep181: 2025 Housing Wrap-Up | Prices, Rates & Next Year's Reality
The Mortgage Update with Dan Frio Podcast
About
🏦 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.
00:00 – Intro & Why This Matters
00:38 – Setting the Stage: What Changed This Year
01:22 – The Big Story: Home Prices
02:15 – Mortgage Rates: Reality vs Headlines
03:05 – Inventory, Supply & Demand
04:10 – What Buyers Experienced
05:05 – What Homeowners Experienced
06:02 – Regional Winners & Losers
07:10 – Affordability: Where Things Stand Now
08:15 – What This Means Looking Ahead
09:10 – Final Thoughts & Takeaways
09:45 – Thanks for Watching / Call to Action
✔️ 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
🔔 GET HELP & TOOLS
🔹 RateWatch 2.0 — Get Alerts When Your Target Rate Hits
https://TheRateUpdate.com/ratewatch
🔹 Book a Free Consultation
https://shorturl.at/SCIGL
🔹 Ask Dan Your Mortgage Question
https://TheRateUpdate.com/ask-dan
🧮 FREE & PREMIUM CALCULATORS
(TRU tools — use Promo Code DAN for FREE access)
🔹 TRU Refinance & Debt Consolidation Analyzer
https://friodan.gumroad.com/l/ovwvug
🔹 TRU Cost-of-Waiting™ Calculator
https://friodan.gumroad.com/l/rjtvn
🏡 APPLY WITH THE TRU MORTGAGE TEAM
One Application. One Credit Pull. 30+ Lenders Compete For You.
https://257781.my1003app.com/246527/register
🔔 FOLLOW FOR DAILY RATE UPDATES
YouTube — https://www.youtube.com/@TheRateUpdate
Instagram — https://instagram.com/therateupdate
TikTok — https://tiktok.com/@therateupdate
Facebook — https://facebook.com/therateupdate
LinkedIn — https://www.linkedin.com/in/danfrio
Twitter/X — https://twitter.com/therateupdate
🏦 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.
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.
00:00 – Intro & Why This Matters
00:38 – Setting the Stage: What Changed This Year
01:22 – The Big Story: Home Prices
02:15 – Mortgage Rates: Reality vs Headlines
03:05 – Inventory, Supply & Demand
04:10 – What Buyers Experienced
05:05 – What Homeowners Experienced
06:02 – Regional Winners & Losers
07:10 – Affordability: Where Things Stand Now
08:15 – What This Means Looking Ahead
09:10 – Final Thoughts & Takeaways
09:45 – Thanks for Watching / Call to Action
✔️ 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
🔔 GET HELP & TOOLS
🔹 RateWatch 2.0 — Get Alerts When Your Target Rate Hits
https://TheRateUpdate.com/ratewatch
🔹 Book a Free Consultation
https://shorturl.at/SCIGL
🔹 Ask Dan Your Mortgage Question
https://TheRateUpdate.com/ask-dan
🧮 FREE & PREMIUM CALCULATORS
(TRU tools — use Promo Code DAN for FREE access)
🔹 TRU Refinance & Debt Consolidation Analyzer
https://friodan.gumroad.com/l/ovwvug
🔹 TRU Cost-of-Waiting™ Calculator
https://friodan.gumroad.com/l/rjtvn
🏡 APPLY WITH THE TRU MORTGAGE TEAM
One Application. One Credit Pull. 30+ Lenders Compete For You.
https://257781.my1003app.com/246527/register
🔔 FOLLOW FOR DAILY RATE UPDATES
YouTube — https://www.youtube.com/@TheRateUpdate
Instagram — https://instagram.com/therateupdate
TikTok — https://tiktok.com/@therateupdate
Facebook — https://facebook.com/therateupdate
LinkedIn — https://www.linkedin.com/in/danfrio
Twitter/X — https://twitter.com/therateupdate
🏦 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.