05 January 2026
S2025 Ep184: Mortgage Rates About to Spike? Here's What Venezuela's Oil Shock Reveals
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.
✔️ 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
00:00 – Introduction: Mortgage Rates & Venezuela Oil Shock
00:32 – Why This Topic Matters Right Now
01:15 – Quick Recap: Current Mortgage Rate Environment
02:00 – What’s Happening in Venezuela’s Oil Market
03:10 – Oil Shock Explained: Production, Prices & Global Supply
04:05 – Link Between Oil Prices and Interest Rates
05:00 – How Higher Oil Prices Can Push Rates Up
05:45 – Market Reaction: Bonds, Yields, & Mortgage Locks
06:30 – Scenario Analysis: Best-Case vs Worst-Case
07:20 – What Homebuyers Should Consider Today
08:10 – Final Thoughts & What’s Next
09:00 – Outro / Call to Action
🔔 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.
✔️ 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
00:00 – Introduction: Mortgage Rates & Venezuela Oil Shock
00:32 – Why This Topic Matters Right Now
01:15 – Quick Recap: Current Mortgage Rate Environment
02:00 – What’s Happening in Venezuela’s Oil Market
03:10 – Oil Shock Explained: Production, Prices & Global Supply
04:05 – Link Between Oil Prices and Interest Rates
05:00 – How Higher Oil Prices Can Push Rates Up
05:45 – Market Reaction: Bonds, Yields, & Mortgage Locks
06:30 – Scenario Analysis: Best-Case vs Worst-Case
07:20 – What Homebuyers Should Consider Today
08:10 – Final Thoughts & What’s Next
09:00 – Outro / Call to Action
🔔 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.