Broker DaveStop refreshing rate websites
Tell me the number you're waiting for. When I can actually quote it, you'll get one email with what it means for your balance — and then the alert closes. No newsletter, no drip campaign, and your information never leaves my desk.
Rate alerts are being set up
The alert list isn't live on this server yet. In the meantime, book a call and I'll watch your number by hand — that's how it worked for twenty years.
Book a callThe rate you read about isn't a rate you can get
Headline averages aren't quotes
The weekly number in the news is a survey average across lenders, loan sizes and credit profiles. There's no borrower attached to it and no property behind it. Nobody actually closes at “the average.”
Teaser rates come with strings
The lowest number on a comparison site usually assumes discount points, a perfect file, and a specific loan size. By the time the fine print is applied it isn't the rate you saw.
This alert fires on real pricing
I set it against what I can genuinely quote that day. When your number hits, it's a rate that exists — and I'll tell you what it means for your balance in the same email.
What happens to your information
- It isn't sold, shared, or brokered. Fill in your number on a rate comparison site and you'll hear from six call centers inside an hour, because your details were the product. Here they go into my database and nowhere else.
- One alert, then it's done. The watch fires once and closes. If you want a new target after that, you set a new one.
- No credit pull, no application. This isn't a loan inquiry and it doesn't touch your credit. It's a note to myself with your name on it.
- Unsubscribe works instantly. Every email has a link, one click, no confirmation page asking you to reconsider.
Rate alerts are educational and are not a loan offer, a rate quote, or a commitment to lend. Rates move daily and are not guaranteed until locked. David Lurvey, NMLS 410420. Equal Housing Opportunity.
Not sure what to watch for?
Picking a round number and waiting is how people miss deals that were worth doing two years ago. Work out the rate that actually covers your closing costs first, then set the alert there.
Find your break-even rateRather just talk it through?
If you'd like a licensed set of eyes on the actual file — what you owe, what it's worth, what you'd qualify for today — that's a fifteen-minute call.
Book a call