Free · No sign-up · No credit pull · Your info is never sold

We'll watch mortgage rates
so you don't have to.

Tell us your rate once. Every month, we'll show you exactly how much you could save by refinancing today — and email you the moment it's worth it. No credit check, no sales calls, just your number.

Start with your current rate

Takes about 10 seconds · No credit pull · We never sell your info

30-yr fixedMortgage

6.95%

▲ 0.19Thu, Sep 17
15-yr fixedMortgage

6.26%

▲ 0.17Thu, Sep 17
10-yr TreasuryBond yield

4.94%

▼ 0.07Thu, Sep 17
Rates are updated from Federal Reserve Economic Data (FRED).Why your rate isn’t the Treasury rate →

Your info is never sold

No credit pull, no trigger leads, no lender calling you at dinner. Ever.

We'll tell you to do nothing

If refinancing won't beat your break-even, we say so — and show the math.

One number, every month

Tell us your rate once. We watch the Fed data and email you the moment it pays.

SourceFannie Mae

Rate forecast · Sep 2026

Where mortgage rates are headed through 2027

6.70% – 6.80%
▲ 0.20 pt into 2027

Fannie Mae's latest forecast puts the 30-year fixed between 6.70% and 6.80% from now through the end of 2027, against today's 6.95%.

0%
Chance of a rate cut

A rate cut on Oct 28 is off the table.

Markets: 0% hold · 100% hike · CME FedWatch

See the rate forecast →
SourceNational Association of Realtors

Housing market · Aug 2026

Cheap homes are selling less. Expensive homes are selling a lot more.

Under $250K−9.7%
$750K and up+1.9%
▼ Investors made 15 of every 100 sales this month, down from 21 a year ago — less competition for regular buyers.
See the market pulse →
SourceFannie Mae

Economy · Sep 2026

Possible recession in the latest forecast

Jobs, growth, and prices set the floor under mortgage rates. Fannie Mae sees unemployment at 4.2%, GDP growth at 2.0%, and inflation at 3.4% in 2026 — arrows show where each one heads in 2027.

Unemployment

4.2%

▬ 0.0 pt

GDP growth

2.0%

▲ 0.5 pt

Inflation (CPI)

3.4%

▼ 1.7 pt

Arrows compare the 2026 forecast with 2027.

See the economy →
Free calculators

Run the numbers yourself

Interactive tools — enter your numbers, get an answer in seconds. Nothing to sign up for.

Calculator

Rent vs. Sell Calculator

Moving out? Compare years of rental cash flow against what you'd pocket selling today — no lender calls, just the math.

Calculate →

Calculator

Net Proceeds Calculator

What you'd actually pocket if you sold today — after commissions, closing costs, and payoff. No credit pull, no lender spam.

Calculate →

Calculator

Renovation ROI Calculator

See how much a kitchen, bath, or ADU actually adds to your home's value before you swing a hammer.

Calculate →

From the Guides

Fresh reads for homeowners

Browse all answers →

The Sub-4% Rate Trap: The Real Math on Becoming an Accidental Landlord

Hanging onto a sub-4% mortgage sounds smart, but turning your old home into a rental can actually cost you thousands a year once you buy your next property at today's rates.

Read now →

The $4.50 Gas Multiplier: How Commute Costs and RTO Mandates Shrink Outer-Suburbs Savings

Distant suburbs offer cheaper square footage, but RTO policies and $4.50 gas can quietly wipe out your monthly mortgage savings.

Read now →

The 'Micro-Warranty' Loophole: How to Get Free Replacements on Household Stuff You Forgot You Own

Top home hardware brands quietly offer lifetime replacement parts. Here is how to use 'micro-warranties' to fix up your house for free.

Read now →
Start with the honest number

See if refinancing is actually worth it.

Two minutes. Live mortgage rates from the Federal Reserve. Zero calls from lenders.

Try the Rate Watch →