Free refinance rate alerts
Rate Watch lets you set a target mortgage rate and get notified when the market reaches it. It covers conventional and government loans, meaning FHA, VA, and USDA. It costs nothing, requires no application, and does not affect your credit. You pick the number that would make refinancing worth it, and we watch for you.
Why watching beats checking
Most people who should refinance miss the window. Not because they do not care, but because rates move on their own schedule and nobody reads mortgage news for fun. By the time refinancing comes up at a dinner party, the moment has usually passed.
Setting a target once and forgetting about it works better than deciding to check occasionally, because you will not check occasionally.
How to pick a target rate
The common mistake is picking a round number that sounds good. A rate is only meaningful next to what it does to your payment and what it costs you to get there.
A useful way to think about it: figure out what refinancing would cost you in closing costs, then work out how much lower your payment needs to be for those costs to pay for themselves in a timeframe you actually care about. If you are moving in three years, a break-even of four years is not a deal.
If you would rather not do that math alone, call 678-410-6509 and we will work out the number that would genuinely be worth it for your loan, then set the alert there.
What happens when your rate hits
You hear from us, and then we run your actual numbers. Current balance, remaining term, closing costs, and what the new payment would be. A rate hitting your target does not automatically mean refinancing is a good idea, and we will tell you when it is not.
Common questions
Does watching rates cost anything?
No. Rate Watch is free, there is no application, and it does not affect your credit. You set a target and we tell you if the market gets there.
How do I know what target rate to set?
Work backward from the payment you want rather than guessing at a number. Call and we can figure out what rate would actually change your monthly payment enough to be worth refinancing, then set the alert there.
Which loan types can I monitor?
Conventional and government loans. Government covers FHA, VA, and USDA.
What happens when my target rate hits?
You hear from us. Then we run the actual numbers on your loan, including closing costs, to see whether refinancing makes sense for you specifically. Hitting a number on a chart is not the same as saving money.
Am I obligated to refinance if rates drop?
No. Plenty of people watch for a year and never move. That is a perfectly good outcome.
This is not a commitment to lend. Rates, programs, and terms are subject to change without notice. All loans are subject to credit approval and property qualification.