RateSignal — Never Miss a Refinance Opportunity Again

Never miss a rate drop again.

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.

< 60s

from rate drop to borrower contact

$3,500

average refinance commission

78%

close rate for first contact

Your borrowers want to refinance.
Your competitors are already calling them.

Automatic Monitoring

We track rates against every borrower's break-even threshold. When the math works, we act instantly.

Immediate Outreach

Personalized call + text with actual savings: "Hi Sarah, rates just dropped. You could save $340/month. Your loan officer will call in 5 minutes."

Warm Handoff

You get a notification with the borrower's details, current rate, and projected savings. They're expecting your call.

The big banks already do this.

What United Wholesale Mortgage Just Proved

"A major national lender spent $1M building this exact system internally. When rates dropped in March 2025, they closed $17B in refinance volume in a single day."

14 refis

closed by one LO in 48 hours during a rate drop

4.2 hours

average time from alert to application

6x more likely

borrowers contacted in first hour close with you

Now YOU Can Do the Same

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."

— Loan Officer, Refinance Specialist

Set it once. Close loans forever.

1

Import Your Pipeline

Upload your borrower list or connect your CRM. We need: current rate, loan amount, property value. That's it.

2

We Watch 24/7

RateSignal monitors live mortgage rates every 15 minutes. When a borrower hits their refinance threshold, we trigger outreach immediately.

3

Close the Deal

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.

One refinance pays for 35 months of RateSignal.

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.

See RateSignal in Action

Experience how our AI contacts borrowers and hands you warm leads ready to close.

Request a Live Demo

See exactly how RateSignal monitors rates, contacts your borrowers, and delivers qualified leads to your inbox.

Request Demo Access

Simple pricing. Huge ROI.

One 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.

Solo LO

$197/mo

For individual loan officers

  • Monitor up to 500 borrowers
  • Unlimited rate alerts
  • Automated calls + SMS
  • Email notifications
  • Basic dashboard
  • CRM integration or CSV upload
  • Standard support (email, 24hr response)
Get Started

Enterprise

Contact Us

For mortgage banks and large lenders

  • Unlimited borrowers
  • Unlimited loan officers
  • White-label option (your branding)
  • Multi-branch management
  • Advanced routing logic
  • API access
  • Custom integrations
  • Dedicated account manager
  • SLA guarantees
Contact Sales
🔥 FOUNDING MEMBER OFFER: First 100 customers lock in $147/month forever — includes Solo LO features + priority feature requests & Founding Member badge

All plans: No contracts • Cancel anytime • $2/connected call • No answer = no charge

Frequently Asked Questions

How do you contact my borrowers?

Automated phone call + SMS. Fully compliant with TCPA (consent-based). Messages are personalized with actual savings amounts and mention you by name.

What if I'm not available when the alert comes?

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]."

Do I need to integrate with my CRM?

Not required. CSV upload works fine. But we do integrate with Encompass, Salesforce, and most major mortgage CRMs for automatic sync.

What if rates drop while I'm asleep?

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.

How do you calculate the refinance threshold?

We use industry-standard break-even analysis: closing costs, loan amount, current rate vs. new rate, and time to recoup. Customizable per borrower.

Can I customize the message?

Yes. You control the script, your branding, and callback number. We provide templates that convert, but you can edit everything.

Your competitors are already building this.

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

© 2026 RateSignal.ai. All rights reserved.

RateSignal.ai is an independent service and is not affiliated with United Wholesale Mortgage or any specific lender.