Refinance
Tell me your rate. I’ll call you when refinancing actually makes sense.
Not an alert list. Not a newsletter you learn to ignore. Three numbers, checked against the market every morning — and a phone call from me on the day yours are worth a conversation.
- You give me three numbers. Your rate, what you financed, and the year it started. No credit pull, no account, no documents.
- I run them every morning against the Freddie Mac 30-year average — the published weekly survey, not a teaser number.
- I call you when the gap is real. Not before. If it never gets there, you never hear from me about it.
Watch my rate for me.
Provide some loan details, and I'll reach out when a refi genuinely makes sense.
The estimate that decides whether to call assumes a 30-year note, about 10% down at purchase, and 4% a year in home appreciation. Those assumptions are how the math gets made from three numbers instead of a full application — they are estimates and a conversation trigger, never a quote, an offer of credit, or a commitment to lend. Your real numbers take a real look.
What people ask about this
Is this a rate alert email list?
No. Nothing gets sent to you on a schedule. Your numbers get checked against the market each day, and when the gap between your rate and the market is big enough to be worth a conversation, you go to the top of my call list and I ring you. If the gap never gets there, you never hear from me about it.
What counts as 'worth it'?
The trigger is your rate sitting about 0.75 points above the 30-year average — far enough that the savings usually survive the closing costs. That's a starting line for a conversation, not a promise: whether a refinance actually pays depends on your balance, your equity, how long you'll keep the house, and what the costs come to on the day.
Why do you need my balance and start year?
Because the rate on its own doesn't tell you anything. What matters is how much you still owe, how much of your term is left, and roughly what the house is worth now — a half-point gap on a large balance early in a loan is worth real money, and the same gap on a small balance late in one usually isn't. Three numbers is the least I can work from.
Is a lower rate always worth refinancing for?
No, and this is where most pitches go quiet. Refinancing restarts the clock and has costs. If you're eight years into a thirty-year note, a lower rate can still leave you paying more over the life of the loan. I'll tell you when the math doesn't work — that's most of what makes this worth signing up for.
While you’re here
Run the refinance math now · Payment calculator · All the questions people ask