Every day, we pull real pricing from 30+ lenders to show what you actually qualify for — plus lock vs. float guidance and a clear breakdown of the Fed, CPI, Jobs, MBS, and the 10-Year Treasury.

Transparent. Data-driven. No hype.

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RateWatch 2.0
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👉 https://TheRateUpdate.com/ratewatch

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🧮 Calculators

Affordability Calculator
What price range actually makes sense?
👉 https://friodan.gumroad.com/l/lyxvnp

Refinance & Debt Consolidation Analyzer
Lower payments, consolidate debt, or both
👉 https://friodan.gumroad.com/l/ovwvug

Refinance Savings Calculator
See how much you could save by refinancing
👉 https://friodan.gumroad.com/l/rjtvn

Cost of Refinancing Calculator
Break down closing costs, breakeven, and true ROI
👉 https://friodan.gumroad.com/l/tgvrz

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⚖️ Compliance

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

The views expressed are solely those of the host and do not represent PBT Bancorp or its affiliates.
Educational & entertainment purposes only — not financial, legal, or investment advice.