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.
$2,695 today → $2,495 at your target. Principal & interest on $400,000 over the 30 yrs you have left, before closing costs.
What you're actually signing up for
- One email, when your number hits. Not a weekly rate newsletter, not a drip campaign. Your alert fires once and the watch closes.
- It fires on a rate I can actually quote — not the Freddie Mac weekly average, which is a survey with no borrower, no property and no credit score attached to it.
- Your numbers stay yours. Nothing is sold, shared, or handed to a lead aggregator. Unsubscribe link in every email, and it works instantly.
- No credit pull, no application. Signing up here is not a loan application and doesn't touch your credit.
Is your target the right target?
Most people pick a round number — “I'll refinance at 5%” — with nothing behind it. Sometimes it's far more rate than they need, and they wait years for a deal that was worth doing eighteen months ago. Sometimes it isn't nearly enough to cover the closing costs. The recoup calculator works it out from how long you're keeping the house.
Find the rate you actually needEducational only — not a loan offer, a rate quote, or a commitment to lend. Rates move daily and aren't guaranteed until locked. David Lurvey, NMLS 410420. Equal Housing Opportunity.
The 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