Most refi tools run your numbers through an algorithm and spit out a generic answer. This is different.
We ask about your loan, your property, and where you are in life. Not to sell you something. To see if the math actually works. The whole thing takes about 2 minutes.
Most refi tools compare your rate to today's rate and call it a day. That's not analysis. We look at your break-even timeline, your costs, your cash flow impact, and whether this makes sense given how long you're staying. The right strategy for someone moving in 2 years is completely different from someone staying 10.
If refinancing makes sense for your situation, we'll show you exactly why with real numbers and a clear timeline. If it doesn't make sense, we'll tell you that too. Because the win isn't closing a loan. The win is you feeling confident about the decision instead of wondering if you just made a $400,000 mistake.
Compare your rates to the national average
Price your exact scenario against real lender rate sheets, not a benchmark
Most rate alerts fire when the national average moves. But the national average doesn't have your loan balance, your rate, your property value, or your timeline. That's what lets us tell you whether a refinance actually puts you ahead, not just whether rates moved.
Show you a lower monthly payment
Show you what that payment actually costs over your timeline
"You could save $180/month!" Sure. But if the closing costs are $9,000, that's a 50-month break-even. If you're moving in 3 years, you lose money. Every other alert focuses on the savings number because it's exciting. We focus on the break-even number because it's the one that actually tells you whether this is a good decision.
Run an algorithm and give a generic answer
Review your numbers personally and think about your whole life
Most refi tools plug your numbers into a formula and spit out a yes or no. They don't know you just started a business, or that you're two years from paying off a car, or that your spouse is about to go back to work. We look at the full picture, not just the spreadsheet, because the right answer depends on your life, not just your loan.
Connect you with whoever pays for the lead
Tell you the truth, even if the truth is "don't refinance"
Most "rate watch" services exist to generate leads. They notify you as often as possible because every notification is a sales opportunity. We do the opposite. If the math doesn't work for your situation, you hear nothing. That silence isn't a gap in service. It means we checked, and the answer was "not yet." When it is time, you'll get one clear message with real numbers.
Ready to see if refinancing makes sense for your life? It takes 2 minutes and there's no pressure on the other side.
Set up your RefiWatch