Rate tracker. Patient shoppers, real alerts.

One email per threshold cross. If you set a target of 6.0%, you get one email when rates first hit 6.0%. If rates jump back up and then cross 6.0% again later, you get another email. You won't get a daily "rates today" newsletter unless you specifically ask.

If markets are stable above your threshold for months, you may not hear from us at all. That's normal — alerts are designed to notify on action-worthy events, not provide entertainment.

You can change or cancel your alert any time by clicking the link in any email or by calling us. Unsubscribe is one click and immediate.

It depends on what you're trying to accomplish.

For refinancing, set your target at 1.0% below your current rate. That's typically where break-even math works for most borrowers (closing costs recouped within 12-24 months). Setting it tighter (0.5% below) generates more emails but those scenarios may not pencil out. Setting it wider (1.5% below) only triggers in rare moves but ensures you're notified only of clear-cut wins.

For purchasing, set your target at your maximum-affordable rate. If you've worked out the math and 6.5% is the highest rate you can stomach, set the alert at 6.5%. You'll know to start the application as soon as rates align with your budget.

Common mistake: setting an unrealistically low target ("alert me when rates hit 4.0%"). Rates may not return to that level for years. Better to set a realistic threshold and use the alert as a real action trigger.

Your quote will reflect the same trend as headline rates, with the personal-spread adjustments described in the section above. If headline drops 0.5%, your specific quote almost certainly drops by approximately 0.5% — but your starting point may be higher or lower than the headline based on your profile.

To get an accurate quote at the moment alerts trigger:

1. Reply to the alert email with your loan size, FICO, LTV, and property type.
2. We'll quote you a specific rate within an hour during business hours.
3. If you want to lock, we begin the application process — typically 30-90 minutes from "yes, lock me" to actual rate-lock confirmation.

Important caveat: markets move during the day. If rates dropped this morning when the alert triggered but jumped back up by afternoon, your real quote will reflect the afternoon levels. Move quickly when alerts hit if you're price-sensitive.

We chose email over text for two reasons:

First, the speed advantage isn't real. Even a perfect text alert at the moment a headline rate is published gives you a 5-minute head start at most. By the time you respond, call us, and start an application, that head start is irrelevant. The bottleneck is application speed, not alert speed.

Second, text frequency tends to creep. Once a service has your phone number for one purpose, the temptation to "also send weekly market updates" is hard to resist. We don't want to do that to you. Email keeps the relationship one-directional and discrete.

If you genuinely need fastest-possible notification (e.g., you have a pending purchase agreement and need to lock at any drop), set up a daily-rates email subscription with us and we'll send a brief market-rate update every business day. Or better, just call your loan officer when you want to know the current rate.

No. Your email is used for two things: (1) sending the rate alerts you signed up for, and (2) one-time follow-up by an LHFS loan officer to verify you and answer any questions. We do not sell or share your information with other lenders, marketers, or any third party.

This isn't standard in the industry. Many "rate tracker" tools are operated by lead-generation companies that monetize by selling the email/phone list to dozens of lenders. The signal: when you sign up, you get harassed by 5-10 different lenders calling within hours. If that's your experience, you used a lead-gen site, not a real lender.

To verify our practice: read our privacy policy (in the footer of any page on our site), and check if you receive solicitations from other lenders after signing up. If you do, please report it — it would be a breach of our process and we'd want to fix it immediately.

Yes — submit the form multiple times with different parameters. Useful patterns:

Stair-step alerts — set 6.5%, 6.25%, and 6.0% all simultaneously. You'll get notified at each step down. Useful if you want to be aware of progressive moves but only act at the bottom.

Different loan types — purchase target at 6.0%, refi target at 5.75% (refi requires lower rate to make math work). Useful if you're considering both buying and refinancing.

Conservative + aggressive — one alert at "would consider" target (6.25%), one at "definitely act" target (5.75%). Lets you respond proportionally.

Each alert is independent. When one threshold crosses, that specific alert fires; the others continue watching their own thresholds. You can have up to 5 active alerts on the same email address.