Free Rate Watch · Von Mortgage
What would you do with a $300 lower house payment? We’ll tell you the day you can have it.
Free · No credit check · Unsubscribe anytime
$300 is an example. Your savings depend on your loan and on where rates are when you refinance.
What’s your home address?
Start here and we’ll work out your personal target rate. We’ll look up an estimated home value too, and you can change it.
Tell us about your current loan
Your best guess is fine. It’s on your mortgage statement.
One more thing
This lets us compare against the right rates.
Start watching this loan
We check rates every weekday and email you when the market reaches your trigger rate. You’ll also get a short update on the 1st of each month.
You’re on Rate Watch.
Check your email for a welcome message. We’ll let you know the moment rates reach your trigger rate.
Talk to our teamRates can move fast
Mortgage rates don’t glide down in a straight line. They can fall quickly, and they can climb back. If you’re not watching, a window can open and close before you hear about it.
30-year fixed average, weekly, Oct 26, 2023 to Nov 12, 2026. High 7.79% (Oct 26, 2023), low 5.98% (Feb 26, 2026), latest 7.11% (Nov 12, 2026).
The three biggest drops over 4 to 8 weeks in that stretch:
- 1. 7.76% → 6.61%Nov 2, 2023 to Dec 28, 2023: down 1.15 points in 8 weeksEight weeks after that low (Feb 22, 2024), the average was 6.90%, up 0.29 points from the low.
- 2. 6.78% → 6.09%Jul 25, 2024 to Sep 19, 2024: down 0.69 points in 8 weeksEight weeks after that low (Nov 14, 2024), the average was 6.78%, up 0.69 points from the low.
- 3. 6.74% → 6.26%Jul 24, 2025 to Sep 18, 2025: down 0.48 points in 8 weeksEight weeks after that low (Nov 13, 2025), the average was 6.24%, down 0.02 points from the low.
Source: Freddie Mac Primary Mortgage Market Survey (PMMS), 30-year fixed-rate mortgage average, via the St. Louis Fed (FRED, series MORTGAGE30US). Data through the week of Nov 12, 2026. These are national weekly averages, not rate offers or quotes. Your own rate will differ, and past movements don’t predict future rates.
Why let us watch for you
Many homeowners only hear about a rate drop from the news, after it has already happened. And nobody wants to check rates every day. Rate Watch does the watching for you:
- A target built for your loan. We use your real rate and balance to find the rate where refinancing would pay for itself (we call it your trigger rate).
- Checked every weekday, automatically. You don’t have to follow the news or remember to look.
- You hear the day you hit it. We email you the day the market reaches your target, and our team gets the same alert so a loan officer can reach out.
- A monthly update on the 1st. A short email with your target and how close today’s market is to it.
- No cost, no credit check, unsubscribe anytime.
Pete Metz NMLS #260571 | Dream Big Ownership LLC dba Von Mortgage Company NMLS #2592815 | CA CFL 60DBO-195824 | (530) 221-7700 | 2777 Bechelli Lane, Redding, CA 96002 | Equal Housing Opportunity
Savings figures are estimates, not a loan offer or a commitment to lend. They assume excellent credit, a primary residence, today’s rates and about $3,000 in closing costs. Your actual rate, payment and savings depend on your credit, property and the loan you qualify for.
Equal Housing Opportunity