Refi monitoring

We’ll email you when rates actually move.

Tell us your current rate and state. We’ll monitor fresh public lender pricing and email you when it reaches your threshold. Borrower offers strengthen the signal when enough comparable submissions are available. No signup, no upsell, and one-click unsubscribe.

EmailOnly used for the alerts. Never shared, never sold.

Your current rate

Loan amount (optional)

Helps us estimate your annual savings in the alert email.

StateCredit score range (optional)Used to narrow borrower comparisons when enough recent offers are available.

Loan typeTerm

Notify me when rates drop to

Default is 0.5% below your current rate — the conventional “is a refi worth it” threshold.

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

SubjectArizona CONVENTIONAL 30y pricing reached 6.250%

Rates in Arizona have moved.

A lender-posted rate available in your state reached 6.250%.

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

Source: Example Credit Union public purchase rate sheet; 0 points; effective September 6; compared across 9 eligible lenders.

Approximate annual interest difference on a $350,000 balance: $2,188.

This is advertised purchase pricing, not a personalized refinance quote. Use it as a signal to compare your options; eligibility and pricing can differ.

The real refinance breakeven depends on closing costs and how long you’ll keep the loan.

Manage or cancel this alert · RatePerch · rateperch.com

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