Set your rate. I'll call when it hits.
Tell me the rate you'd refinance at. I watch the market for you. The day it lands, I call — not next week, not after the rate moves again.
Why this is worth doing — 1:38, explained →Rates move in hours, not weeks.
A CPI print drops Tuesday at 8:30 AM. By 10, the 30-year is 0.25% lower. By 2 PM, it's back. That six-hour window is when refinancing pencils — and most loan officers don't notice it opening. I do.
The two things worth understanding first.
Three things, in this order.
-
01You set the rate.Tell me what rate would make the math work for you. Send your latest mortgage statement and I'll confirm the savings against your real balance and payment — not an estimate you typed from memory.
-
02I watch.I track daily rate sheets across the lenders I work with — yours sits in a queue I check every morning, not when you call.
-
03I call.The day rates hit your strike, you hear from me before lunch. We lock the same day, while the window is still open.
Set your strike right now.
Two numbers — your rate and what you owe. Every eighth of a point below you gets priced as a real payment the moment you type. Pick the one you want; that's your strike. Setting it costs nothing.
Take the lower rate — and keep your payoff date.
Here's the part most people are never told, and it's the difference between a refinance that works and one that quietly costs you. A new loan starts its schedule over at month one. Take the lower rate and keep paying what you pay now, and the whole gain goes to principal instead of stretching the loan back out.
| What you do | Payment | Years left | Interest left |
|---|---|---|---|
| Refinance to 30 — and keep paying $3,070 | $3,070 | 19.2 | $296,911 |
| Refinance to 23 years at 6.25% | $2,816 | 23 | $365,411 |
| Keep the 7.25% — do nothing | $3,070 | 23 | $435,530 |
| Refinance to a new 30, pay the minimum | $2,535 | 30 | $500,907 |
Same rate, same loan, four different outcomes — and the best one pays it off 3.8 years sooner than never refinancing at all, saving $138,619. The bottom row is what happens on autopilot: a lower payment that costs $65,377 more in interest over seven extra years.
Dropping the payment is sometimes exactly right — if cash flow is the reason you're refinancing, take it and don't apologize. What matters is choosing it on purpose. That's the conversation we have the day your strike hits.