Mortgage Rates Jump 🔥 Despite Fed’s QT Pause — Here’s Why (Nov 3, 2025)

Disclosures & Compliance

Equal Housing Lender. Educational content only; not a commitment to lend. Subject to credit approval and property appraisal. Programs, rates, terms and conditions are subject to change without notice.

NMLS IDs: Peoples Bank & Trust (Hazard) NMLS #257781 • Dan Frio NMLS #224235.

Rate Assumptions: Rates shown above are national survey averages and/or index observations (MND, Bankrate, Zillow, Freddie Mac PMMS, MBA, and OBMMI via FRED). Individual quotes vary by credit score, down payment, loan amount, occupancy, loan purpose, loan-to-value (LTV), debt-to-income (DTI), points, and lock period. Sample payments exclude taxes, insurance, HOA dues, and mortgage insurance where applicable.

Points/Fees: Unless otherwise noted, displayed rates are based on 0 points and standard lender fees. Paying points will lower the interest rate and increase upfront costs. APR may differ from note rate and reflects certain prepaid finance charges.

Advertising Disclosure: This page may reference third‑party rate indices and sources. We do not control their methodologies and do not guarantee accuracy or availability. Links are provided for convenience and may lead to external websites.

Licensing/Availability: Products may not be available in all states or for all loan sizes. Additional restrictions may apply. Verify eligibility with a licensed loan officer.

TCPA Consent: By clicking “Apply Now,” “Ask Dan,” or “RateWatch,” you agree to be contacted at the phone number and/or email you provide, including by auto‑dialed, pre‑recorded, and text messages. Message and data rates may apply. Consent is not a condition of credit or any purchase.

Privacy: See our Privacy Policy and Terms of Use.