RateSignal monitors mortgage rates 24/7 and automatically contacts your borrowers the moment they can save money. You get notified to close the deal.
The loan officer who contacts first wins 78% of refinances. Stop losing deals to competitors who move faster.
from rate drop to borrower contact
average refinance commission
close rate for first contact
We track rates against every borrower's break-even threshold. When the math works, we act instantly.
Personalized call + text with actual savings: "Hi Sarah, rates just dropped. You could save $340/month. Your loan officer will call in 5 minutes."
You get a notification with the borrower's details, current rate, and projected savings. They're expecting your call.
closed by one LO in 48 hours during a rate drop
average time from alert to application
borrowers contacted in first hour close with you
Without a billion-dollar budget.
RateSignal gives independent loan officers and branches the same advantage the big banks spent millions building — in a simple, affordable, plug-and-play system.
You don't need engineers, data scientists, or a call center.
"I was on vacation when rates dropped. RateSignal handled everything—by the time I checked my phone, I had 11 warm leads waiting. Closed 7 of them."
Upload your borrower list or connect your CRM. We need: current rate, loan amount, property value. That's it.
RateSignal monitors live mortgage rates every 15 minutes. When a borrower hits their refinance threshold, we trigger outreach immediately.
Your borrower gets a call and text with their personalized savings. You get notified. They're warm, informed, and ready to move. You just close.
| Item | Amount |
|---|---|
| RateSignal (per month) | $197 |
| Average refinance commission | $3,500 |
| Refis needed to break even | 1 (in 3 years) |
| Rate drops per year | 4-8 opportunities |
You're not buying software. You're buying insurance against losing your pipeline to faster competitors.
Experience how our AI contacts borrowers and hands you warm leads ready to close.
See exactly how RateSignal monitors rates, contacts your borrowers, and delivers qualified leads to your inbox.
Request Demo AccessOne closed refinance pays for years of service. The question isn't whether you can afford it—it's whether you can afford not to have it.
For individual loan officers
For teams and branch offices
For mortgage banks and large lenders
All plans: No contracts • Cancel anytime • $2/connected call • No answer = no charge
Automated phone call + SMS. Fully compliant with TCPA (consent-based). Messages are personalized with actual savings amounts and mention you by name.
You set your availability. If you're unavailable, we can queue leads for callback or route to your team. The borrower message always says "your loan officer will contact you within [timeframe]."
Not required. CSV upload works fine. But we do integrate with Encompass, Salesforce, and most major mortgage CRMs for automatic sync.
We operate 24/7. If a rate drop happens at 2am, borrowers get notified immediately. You get alerted at your preferred time (e.g., 7am) with a list of warm leads.
We use industry-standard break-even analysis: closing costs, loan amount, current rate vs. new rate, and time to recoup. Customizable per borrower.
Yes. You control the script, your branding, and callback number. We provide templates that convert, but you can edit everything.
Don't wait until it's too late.
Every day without RateSignal is a day you're losing refinances to loan officers who move faster. The technology exists. The big banks use it. Now you can too.
Early access opens March 2026 • Limited to 500 loan officers