Rate Refresh

Stop watching rates. I'll do that for you.

If you bought when rates felt high, you don't need to refresh Bankrate's site every week. Sign up once and I'll keep an eye on your loan. When a refinance is actually worth it, closing costs and all, I'll reach out. If it's not, you won't hear from me about it.

Start My Free Review

What I'm watching for

A rate drop that actually clears your costs

Not just any dip. A move big enough that the savings beat what it costs to get there, based on your real balance, not a rule of thumb.

PMI you may no longer need

As your balance falls and your value rises, that monthly mortgage insurance charge (PMI) can sometimes come off. Occasionally that alone is worth a call, since it usually comes off faster if you proactively request it.

A change on your side

Credit improved, plans changed, or you just want a fresh read. What made sense last year may not be the answer now.

Signing up is not an application. I don't pull credit for this, and the form never asks for a Social Security number or driver's license.

Why this beats guessing

A lower rate isn't automatically a better deal.

Here's the part most people miss: dropping your rate costs money up front. There are closing costs to refinance, and a small rate drop can take years to earn those back. The old 1% rule of thumb is stale with today's higher balances, and the real answer depends more on what you owe than people expect.

So the real question isn't "are rates lower?" It's "are they low enough that you actually come out ahead?" That's the math I run on your loan every month. You don't have to. When the numbers clear that bar, I'll tell you. Until then, there's nothing for you to do.

Start the review

Share the property address and a few basics, and I'll watch whether refinance timing or PMI deserves a fresh look.

Signing up is not an application.
Your credit stays untouched for the initial review.
Never put a Social Security number or driver's license in this form.

Your name Property address Your best email Phone, optional Approximate current rate, if known Approximate remaining balance, if known What type of loan do you currently have? What are you hoping to get out of this? Anything else I should know? Optional

Your information is used only to prepare and run your review and to reach out. It's never sold. Don't send Social Security numbers, driver's license numbers, or other sensitive documents through this form.

That's the whole signup. If it ever stops being useful, one click ends it.

This is the personal marketing website of Eric Soloway, not the corporate website of Bay Capital Mortgage Corporation. Eric Soloway, Senior Loan Officer, NMLS #439506. Bay Capital Mortgage Corporation, Company NMLS #39610. Equal Housing Lender. Licensed in Tennessee only (not licensed to originate in Georgia). A free review is not a quote, rate, APR, payment, or commitment to make a loan, and not all borrowers or loans qualify. A refinance replaces your current loan with a new rate and term, may involve closing costs and fees, and may increase the total interest paid over the life of the loan. Whether it makes sense depends on your rate, those costs, your equity, and how long you plan to keep the loan. Your information is used only to prepare and run your review and to reach out, and it is never sold.

Have a low rate and need cash instead? That's the opposite play. See Keep Your Rate.

Stop watching rates. I'll do that for you.

A lower rate isn't automatically a better deal.

Sign up once. I'll monitor quietly.