Your Current Mortgage
Your Current Situation
📊 Your Refinance Trigger Points
Every row below shows what happens when rates drop to that level. Green rows = refinance makes sense.
🎯 FRC RATE SNIPER — SIMULATION
This is what your alert would look like
Banks won't tell you when to refinance — it costs them money. This is the alert you'd get from a system that actually works for you:
⚠️ This is a simulation. Bookmark this page and return when rates drop to your trigger rate.
📧 Set a Manual Reminder
Don't Miss Your Trigger Rate
We'll send you a one-time email reminder with your trigger rate and break-even calculation saved — so you don't have to remember.
✅ Saved! We'll remind you when to check rates. Check Freddie Mac's weekly survey at freddiemac.com/pmms for current rates.
🏦 Banker's Note — 23 Years Experience
"The 14-day rate shopping rule: multiple mortgage inquiries within 14 days count as ONE hard pull on your credit. So when rates hit your trigger, get 3-5 quotes simultaneously within that window. The difference between lenders can be 0.25-0.5% even at the same market rate — that's thousands of dollars."
📋 Methodology: Break-even = closing costs ÷ monthly savings. All calculations use standard amortization. Closing costs estimated at user-entered amount. Rate data: Freddie Mac PMMS. Educational use only — not financial advice. Always consult a licensed mortgage professional before refinancing.