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What counts as "worth it"
We do not alert you over a 0.125% dip. An alert goes out when the break-even math clears, typically when the monthly savings would recover your closing costs well within the time you plan to keep the loan. Every alert shows the calculation.
FAQ
How does Rate Watch work?
Tell us your current rate and loan details. We monitor the market and alert you when refinancing would save you meaningful money, based on your break-even, not a generic rate headline.
Will you spam me with alerts?
No. You will hear from us when the math actually works for your loan, and every alert includes the break-even calculation so you can decide. Reply STOP any time to opt out.
Is there a cost or obligation?
None. Rate Watch is free, and an alert is never a commitment, it is an invitation to run the numbers together.