Submit one 2-minute form. We price your exact loan against real lender rate sheets daily and only reach out when it's a clear win. Until then, silence.
Free. No spam. No sales pitch. One-click unsubscribe.
Your balance, rate, loan type, property, and how long you plan to stay. Takes about 2 minutes. This isn't lead capture. It's what we need to run your specific numbers.
Not the national average. Not "rates fell below 6%." We check whether a refi makes sense for your loan, your costs, your timeline. Using actual pricing from 100+ lenders, not a generic rate table.
If a refinance genuinely puts you ahead, we'll show you the numbers: your new payment, your total costs, your break-even timeline, and what it means for your life over the next 3 to 5 years. If the math isn't there, you won't hear from us until it is.
It started with a mailer promising a rate I knew was impossible. I called anyway, because I know my clients get these too, and they look real.
This kind of shady marketing, mixed with how complex mortgages actually are, creates the same two outcomes over and over:
Hungry for savings, so the first convincing offer wins. They refinance into a loan that resets the clock, adds fees they never modeled out, and sometimes costs more than staying put.
They can't tell who to trust. So they do nothing. And month after month, they keep overpaying on a rate they could have improved.
Neither outcome is okay. That's why I built this. Originally just for my clients. Now open to anyone who wants the math instead of the noise.
Enter your details once. If it doesn't pencil, you won't hear from us.
We'll run your numbers against real rate sheets personally. Not an algorithm. Not a bot. When the math works in your favor, we'll reach out with the specifics: your new payment, your costs, your break-even timeline, and what it means for your situation.
If the numbers don't work yet, you won't hear from us until they do. That's not silence. That's us doing our job.
You're on the list. We'll take it from here.
We track your rate, balance, term, and payment goal. Not generic averages.
Alerts trigger on savings and breakeven. Not headlines.
You get the math first, then you decide.
When a window opens, you get a clear next step fast.
You enter your current loan details once. We track your exact scenario against real lender pricing and notify you only when a refinance looks like a clear win.
Homeowners who want to stop guessing. If you have a mortgage and would refinance for a meaningful improvement, this is for you.
No. Signing up does not require a hard credit pull.
When the savings justify the costs. We look at estimated payment change and breakeven. If it doesn't pencil, you won't hear from us.
Nothing. It's free to join. If you later refinance with me, I'm paid by the lender like a normal mortgage transaction.
You get one clear email with estimated payment, rough costs, and breakeven. Then you decide. No pressure.
Yes. Unsubscribe anytime with one click.
Never. We do not sell your information.
Ready? It takes two minutes.
Set up my RefiWatch