Compare rates from 30+ lenders with daily alerts for your rate or mortgage payment.
Free. Takes about a minute. Stop anytime.
Watch how Rate Watch works (video)
Three steps, and none of them is an application.
Enter your loan amount, current rate and payment, then tell us what you are waiting for — a specific rate, or a monthly saving. Either works.
No application, no credit pull, no obligation. You are signing up to be told when something worth looking at happens, not signing up for a loan.
Daily alerts on your rate or payment across 30+ lenders. When your target hits, I also call to walk through the rate, the fees and the new payment.
A lower rate is not automatically a better deal. If the closing costs eat the savings, or it takes you four years to break even and you are moving in two, refinancing is the wrong move. When that is the case I will tell you, and we keep watching. There is no benefit to me in putting you into a loan that does not help you.
Nothing. There is no application, no credit pull, and no obligation. If you never want to move forward, that is fine — the monitoring costs you nothing either way.
Homeowners who bought or refinanced at a higher rate, owners carrying expensive debt or planning a renovation, and buyers waiting for payments to reach a level they can live with.
Your current loan amount, your rate, your monthly payment, and roughly what you owe. That is enough to set up tracking.
Tell us what you are trying to fix. We watch the market for the point where it becomes worth doing something about it.
You are sitting on a rate you would rather not have. Set your target and we tell you the day it is worth a second look.
Tell us the monthly payment you need to get to. We watch for the rate or the program that gets you there.
We watch for the point where folding higher-rate debt into your mortgage would actually lower what you pay each month, and tell you plainly when it would not.
Roof, kitchen, addition. We watch for the moment a renovation loan or cash-out beats paying retail rates for the work.
No. There is no credit pull and no application involved in setting up Rate Watch.
Nothing, whether or not you ever move forward.
You get daily alerts on your rate or payment. When your target hits, I also call, text or email to go over your numbers.
We keep watching. You can change your target whenever you like, or stop tracking at any time.
No. And if the numbers do not work in your favor, I will be the one telling you so.
That is exactly who this is built for. You do not have to decide anything today.
Enter your current loan details and the rate or payment you are waiting for. Free, no application, no credit pull.
Set Up Rate Watch →Opens the Rate Watch monitoring tool. You can stop tracking at any time.
Dan Frio | NMLS #246527 | PBT Bancorp | NMLS #257781
Mortgage products are originated by PBT Bancorp, NMLS #257781.
