Automated mortgage rate watch alerts. Track every borrower's target rate and get notified the moment their refi becomes profitable. Built for loan officers.
Never miss a rate drop that could make a refi profitable.
Set target rates per borrower. When the market moves, the CRM lights up and the AI assistant opens the conversation — before your competition even notices.
Rate Watch is a per-borrower rate-monitoring engine. For every borrower in your CRM you set a target rate (or let the system infer one from current rate + refi profitability). When national pricing drops through the threshold, Rate Watch alerts the CRM, sends a branded email to the borrower, and — for high-value scenarios — triggers the AI assistant to open a real conversation.
It's the tool that keeps loan officers from losing refis to online lenders who watch rates every second.
Refi windows are short and unpredictable. A 30-basis-point drop that makes a refi profitable might last three days. The loan officer who reaches out first wins the deal. Rate Watch is that first reach-out, automatically.
Manual, bulk, or auto-calculated from current rate + typical margin.
Live national pricing feed backed by Freddie Mac PMMS + program-specific adjustments.
When available rate drops through target, alert lands in the CRM.
Beautiful email goes out to the borrower with their target, current rate, and estimated savings.
For qualified refi opportunities the AI assistant reaches out and books a call.
Set independently per contact — no one-size-fits-all.
Upload targets via CSV or auto-set from current loan data.
Different targets for Conventional, FHA, VA, Jumbo, and ARM refis.
Every alert includes closing-cost break-even months so the borrower sees real savings.
Your logo, headshot, and NMLS — not a generic 'rates are dropping' blast.
For high-savings opportunities the AI opens a real conversation on your behalf.
Dedicated view of everyone whose refi is within X basis points of profitability.
Borrower sees the rate trend since they closed — powerful context.
Rate alerts + equity data together create the strongest refi triggers in the industry.
All alerts include required disclosures and are archived per regulator retention rules.
Every closed loan gets a rate watch automatically. When the market moves, you're first in line.
See a team-wide list of borrowers within 25bps of a profitable refi — perfect weekly call list.
Give every officer in your firm automated rate monitoring on every past deal.
Aggregate rate-alert data across thousands of borrowers to time marketing campaigns.
Use the daily alert digest as a hot-call list for the LO.
Rate Watch alerts fire the day the threshold crosses — before borrower shops around.
Past clients hear from you the moment their loan becomes worth refinancing.
Loan officers using automated rate alerts consistently win a higher share of past-client refis.
Nothing to check, nothing to remember — it just watches the market for you.
Either you set it manually per borrower, bulk-import from a CSV, or let LoanOfficer.ai auto-calculate from the borrower's current rate and your typical refi margin.
Rates update hourly during market hours. Alerts fire within minutes of a threshold crossing.
Yes. Every alert includes an estimated break-even months figure that accounts for closing costs so the borrower sees real savings, not headline math.
Yes. Subject line, body, and signature are all editable. Default template is professional and branded to you.
For qualified alerts (typical: >0.75% rate drop with break-even under 24 months) the AI assistant opens a real conversation on your behalf. You can require approval before sending.
Yes — Rate Watch is opt-in per borrower or per contact tag.
Rate Watch is per-borrower. Every alert is calibrated to that specific person's current rate, loan balance, and refi break-even — not a generic 'rates are low' blast.
Yes — combined with Property Pulse equity data, Rate Watch surfaces HELOC opportunities as well.
Yes. All alerts include required disclosures and are archived per regulator retention requirements.
Yes. Alerts include a chart of rate trend since the borrower's original close date — powerful context.
Yes — the $1 for 14-Day Trial gives you full access to the Rate Watch plus every other tool in LoanOfficer.ai. No credit-card surprises, no locked features.
No. Onboarding is white-glove — our team configures the tool, connects it to your CRM and calendar, and hands you a working setup. Most loan officers are live in under a week.
Yes. Every embeddable LoanOfficer.ai tool ships as a lightweight snippet that drops into WordPress, Wix, Squarespace, HubSpot, Webflow, or a custom site with one line of HTML.
All borrower data is encrypted in transit (TLS 1.3) and at rest. Access is role-based and audit-logged. LoanOfficer.ai is built for regulated mortgage teams — not a generic marketing tool.