Chris
VA refinance
Response time could be improved.

Dan Frio is a Mortgage Advisor at PBT Bancorp with 38 years of experience helping homebuyers, homeowners and real estate investors find the right mortgage. He's also the host of The Rate Update on YouTube, where 40,000+ subscribers follow his plain-English coverage of mortgage rates and the housing market.Dan's approach is simple: One Application. One Credit Pull. 30+ Mortgage Lenders. Instead of offering one bank's rate sheet, he compares loan programs across more than 30 lenders to find the right fit, whether you're buying your first home in Chicago, refinancing in Kane County, or growing a rental portfolio.Loan programs Dan helps with include purchase and refinance mortgages; DSCR loans for investment properties from 1 to 8 units, qualified on rental income; bank statement loans for self-employed borrowers; renovation financing; Buy Before You Sell programs; and down payment assistance programs. He also offers free Loan Estimate (LE) Reviews: send Dan a Loan Estimate from another lender and he'll review it with you.Prefer to do it yourself? Dan's DIY Mortgage path lets you check live rates, pull your own credit, apply, and submit a rate lock request online, with a loan officer reviewing every submission.Dan believes mortgages should be clear, honest and affordable. If you've worked with Dan, he'd value hearing about your experience.Mortgage assistance is available in the states and jurisdictions served by PBT Bancorp. Program availability varies by lender guidelines. All loans subject to credit approval. Equal Housing Opportunity. Dan Frio | NMLS #246527 | PBT Bancorp | NMLS #257781. Mortgage products are originated by PBT Bancorp, NMLS #257781. 524 Main St, Hazard, KY 41701.
Dan Frio - The Rate Update (therateupdate.com) has 5 customer reviews on Five Star Index, with an average rating of 4.4 out of 5.
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Investments & Wealth · Louisville, Kentucky
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Investments & Wealth · Louisville, Kentucky
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Investments & Wealth · NEW YORK, New York
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5 approved reviews, newest moderated first
Chris
Response time could be improved.
Soumyajyoti P.
I just had a great experience with Dan and his team, Alan and Dawn. I have refinanced my property twice with them, and on both occasions, the experience was exceptional. Alan and Dawn are incredibly responsive, efficient, and always on top of everything. Their experience and professionalism really stood out throughout the entire process, making everything smooth and stress-free. Would I work with Dan and his team again? Absolutely—without a doubt! I would happily choose them again and again and would highly recommend them to anyone looking for a reliable and experienced team.
Emmanuel P.
Process was lengthy and slow. They did get me a good rate.
Response from Dan Frio - The Rate UpdateSep 29, 2026
Thank you so much. Rate is our #1 Goal for Long term Savings. My apologies for a few delays, but I hope it was well worth it.
Nelson
5 star service & best of the best, Dan is the man to refinance and buy a new home.
Response from Dan Frio - The Rate UpdateSep 29, 2026
THANK YOU so much my Friend.
Jon J N.
They are great made my home loan flawless
Response from Dan Frio - The Rate UpdateSep 29, 2026
Thanks Jon. Appreciate your support my Friend