Mortgage rates are starting to come down, and with that comes a wave many homeowners do not see coming.

Refinance pressure.

When rates dip, the phones light up. Many loan officers hired during the COVID boom are back in the market and scrambling for business. Unfortunately, that sometimes leads to rushed advice, high fees, and refinance offers that look good on the surface but hurt long term.

A lower rate alone does not automatically mean a refinance is a good idea.

Fees matter. Loan term resets matter. Break-even timelines matter. And most importantly, your personal numbers matter.

I have seen homeowners pushed into refinances that save them very little per month while adding years to their loan or tens of thousands in unnecessary costs. That is not strategy. That is pressure.

This is exactly why I built a smart rate watch list.

It tracks your loan and alerts you only when a refinance actually makes sense for your situation. No sales pitch. No pressure. Just data and timing based on your numbers.

Most homeowners should refinance strategically, not emotionally and not because someone called them on a slow sales week.

If you want to stay protected as rates move and avoid getting pulled into a bad refinance, you can join the list below.

Click here to get protected before the next wave hits:
https://yourhomebuyingmentor.com/ratewatcher

As always, the goal is clarity, not urgency.
Follow along for more honest mortgage guidance and real-world strategy.