Stop Guessing When to Refinance.
The mortgage market changes daily. Instead of constantly checking rates or fielding spam calls, set a target rate that makes mathematical sense for your goals. We'll do the rest.
What is a Strike Rate?
A "Strike Rate" is your personalized target interest rate. It's the exact rate where a refinance mathematically makes sense for your specific loan amount and financial goals.
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No-Cost Refinance Focus We aim for a rate drop significant enough that lender credits can cover your closing costs entirely.
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Zero Spam, Pure Data You won't get daily calls. You only hear from us when the market hits your exact target.
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Completely Automated Our systems monitor the bond market and mortgage-backed securities daily on your behalf.
The Math Behind the Strategy
Typically, a rule of thumb is that a 0.50% to 0.75% drop in rate is required to make a refinance truly beneficial without coming out of pocket for closing costs.
*This is an example. Your actual strike rate depends on your loan balance and property state.
Don't guess when to refinance.
Set your strike rate.
We monitor rates daily and notify you the moment a no-cost refinance makes financial sense for your loan — no spam, no pressure, just data.
We review your loan
We analyze your current rate, balance, and savings potential.
We set your strike rate
Typically 0.50–0.75% below your current rate.
Rates monitored daily
Our automated system watches the market for you.
You get the alert
One notification when your target is within reach.
No spam. Unsubscribe anytime. SMS Opt-In
No credit pull required. Zero obligation. John Todaro · NMLS #1006565 · Barrett Financial Group, LLC
Learn how the strike rate works →