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RatePerch — real rates, real people, real insight
Refi monitoring

We’ll email you when rates actually move.

Tell us your current rate and state. When borrowers in your state are getting a meaningfully better rate, we’ll send you one email. No signup, no monthly newsletter, no upsell. The unsubscribe link is in every email.

By creating an alert you’re agreeing to receive emails from RatePerch when rates move below your threshold. At most one email per month per alert. One-click unsubscribe in every email.

The email you’ll get

Sample · example numbers

This is the actual template, word for word — with example numbers. Your alert uses your rate, your state, and live data from the week it fires.

From RatePerch
SubjectAZ CONVENTIONAL 30y rates dropped to 6.250%

Rates in AZ have moved.

The median CONVENTIONAL 30y rate in our dataset is now 6.250%.

You’re paying 6.875%. That’s a gap of 0.63 percentage points.

Source: 23 AZ borrowers with your loan profile, last 30 days.

Estimated annual interest savings on a $350,000 loan: roughly $2,188.

A 0.5% drop is the usual rule of thumb for refinancing being worth it, but the real breakeven depends on your closing costs and how long you’ll stay in the home.

Manage or cancel this alert · RatePerch · rateperch.com

That’s the whole email — no upsell section, no partner offers. If the median never drops below your threshold, we never write. Curious what the data looks like today? Browse current rates by state.