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Welcome to The Rate Update with Dan Frio.
This channel helps homebuyers, homeowners, real estate professionals, and anyone watching the housing market understand what is really happening with mortgage rates, housing, inflation, the bond market, the Federal Reserve, and the economy.
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Dan Frio | NMLS #246527 | PBT Bancorp | NMLS #257781 | Equal Housing Lender
524 Main St, Hazard, KY 41701
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Dan Frio is a federally registered mortgage loan originator with PBT Bancorp. Mortgage products are originated by PBT Bancorp, NMLS #257781.
This channel is for education and commentary only. Topics may include mortgage rates, real estate, housing, stocks, bonds, cryptocurrency, inflation, the Federal Reserve, and financial markets.
All opinions are my own and do not represent PBT Bancorp or any financial institution I may be employed by or affiliated with.
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7 Comments
@Sacredhonor2837 · October 21, 2026 at 12:41 pm
I think what most buyers don’t get is that individual homeowners aren’t just trying to be greedy. They have likely built equity for years and years as their primary investment and retirement security. And yes they have to buy in the other side of the transaction. I’m retired now. I had to use my home to help pay my children’s schooling and thanknGod the equity allowed that. But now I have to keep living somewhere. I don’t have all the equity between what I bought it for 26 years ago and the price I’m asking now. Plus I updated the house and maintained it meticulously sometimes with a HELOC again taking out the equity. I’m not being greedy. I’m being downright scared to death to lose what I’ve spent 26 years building to the point that I will have to live the rest of my life in a shoebox apartment after being a homeowner. I’m just saying don’t judge sellers as just greedy for max equity. Understand that sellers have to depend on the equity as their primary life investment to live off of for the rest of their lives.
@jeffersonbuckles8905 · October 21, 2026 at 12:41 pm
Its so annoying when sellers and realtors pretend lending rates are why the country can't afford homes and not them thinking they should be rich for existing.
@ramiromuniz8327 · October 21, 2026 at 12:41 pm
"The median U.S. home-price-to-income ratio averaged roughly 3.2 throughout the 1990s, compared to roughly 5.0 to 6.8 today."
Congratulations you just lost me as a client.
@lanebarker297 · October 21, 2026 at 12:41 pm
What was the average price of a house and wage …when rates were 18.63% —– ?
@Statler_and_Waldorf · October 21, 2026 at 12:41 pm
So agree on all your points and back in teh 1980's the prices did not crash but the homes did lose value through the higher inflation. Same will likely happen with today's housing market. Housing will likely not crash but the longer you hold out on not buying, the longer the real value will erode away and the better deal buyers get. (And if you are worried about losing your job today, you should feel better after the war is over and all this economic bad data goes away)
So NO HOUSING CRASH…. BUUUUUT…. Waiting today will likely net you a better housing deal tomorrow (all in).
@marzv888 · October 21, 2026 at 12:41 pm
"Transitory Inflation" 😉
@NickFoyles · October 21, 2026 at 12:41 pm
The thing all relators and lenders are not understanding is:
We all know rates have been higher. The people currently in the market are not complaining just about the rates. It is also that housing cost have risen significantly more than income. If housing prices want to drop 50% to match the rate of the 1970-2000s we will pay 15% interest rate. The issue is both being high, then lenders and realtors trying to act like "this is normal" is getting pathetic.