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"SO helpful. Thanks for the great information!!! I look forward to a good year and Rate Alert will certainly play a big roll in my success" -- Cristie C. from Kirkland, WA(1/12/2011)"I recently switched from a more expensive rate alert service. Your new site is awesome! I now have the confidence to know when to lock my loans via text, e-mail or online and so much more, all at much better price. And the new MBS Tracker rocks! I love the trend lines and the levels of support. Outstanding!" -- Ray Blindauer, CA(10/5/2009)"Today was my first day using Rate Alert and it has already paid off! I was floating a $175,000 deal from last evening. The market opened strong and the recommendation was to float until 1:00pm. At 12:34pm a Lock Alert was sent and the MBS Tracker jumped from -6 to -20. I went ahead and locked my deal and within 1 hour I had 4 investor re-prices for the worse. I ended up $357 to the good on the very 1st day with just 1 deal. That proved to be a great return on my investment." -- Frank Ruzicka from Conerstone Mortgage Inc.(1/13/2010)"I’ve been enjoying the e-mail notifications, but never took the time to go to the website. I tend to get embroiled in loans and put off things I know I "should do". I have been going to the website throughout the day this week and have saved money for my borrowers and myself. It’s much more proactive than waiting and wondering if I will get an e-mail to see what the market is doing. " -- Jamie O’Neal from CA(10/22/2009)"I couldn't survive without Rate Alert!" -- Hary M. from St Louis, MO(1/14/2010)
Alert Controller    


All Pricing Desks are not created equally!

The Alert Controller is designed to help well informed Originators understand the market and stay ahead of lender re-pricing based on their own logic and the behavior of any given pricing desk. Users can fine tune their Alert settings to beat even the fastest lock desks. Mobile Add-On members can control their Alert Service from PDA friendly screens.

AM Tracking Quotes: Your Most Critical Setting

Executive Members can set their own AM Tracking Quote; to be e-mailed whenever a specific lender generally issues pricing each day. The tracking quote is your pricing “starting point” each day and gives you coupon pricing relative to the opening price (8am EST). Your Tracking Quote will be defaulted to 9:30 AM EST. This is generally when most lenders issue their morning pricing. But you can change this to coincide with the given behavior of any particular pricing desk in your Alert Controller. What makes the AM Tracking Quote so critical is actually quite simple. If a lender issues pricing at the same time as your AM Tracking Quote, subsequent market changes from this point forward in the day should offer the best indication how likely they might re-price and in which direction.

Free Members: Enough to stay well informed

Free members can abreast of the MBS markets by receiving AM Tracking Quote at 9:30am EST and again at the Closing Bell

Executive Members: The Best of All Worlds

Executive members can set their Am Tracking Quote and customize their Real-Time Movement Alerts! These alerts instantly notify you when MBS markets move by enough to affect lender pricing; even by as little as 1/8th in fee. Basic and Executive members can set their personal alert tolerances to get more or fewer alerts depending on their own “Trigger” settings. Some Originators want alerted when pricing can potentially move by .125 in fee while others are only interested in being notified when pricing can potentially move by .25 to .375. Regardless of your preference, your Alert Controller allows you to stay ahead of potential re-pricing issues according to your own logic. Most Importantly: Executive members can enable AM and PM Lock Advice (our most widely appreciated service) in addition to enjoying Real-Time Movement Alerts.

Mobile Feature: PDA-SMS-Urgent Voice Alerts

Executive members enjoy PDA-friendly access to their rate alert services and Alert Controller. Some e-mail providers are sluggish. Mobile Upgrade Members can also enable SMS “Text” delivery and Urgent Voice Alerts from David Shirmeyer instantly, whenever the markets demonstrate extreme volatility. The markets don’t care where you are but we do. That’s why we give you PDA-friendly access to your service with our Mobile Add-On.



What our members say:
"We find the Shirmeyer e-Daily Rate Market Report to be a most important source of information for our company. It is timely, precise, and gives us a market advantage in determining our loan positions. As well, it provides a good daily commentary for keeping us with the 'larger economic picture'. It is also a great value for the money!!!"
Tom H.
The Mortgage Network
Indianapolis, IN.

"I used to spend an hour or so reviewing the market activity and news on several different web sites to try to ascertain which way the market was moving and what forces were driving the market. Now you do it all for me! I recouped the cost of the report within the 1st month - I would have locked a loan but waited one day based upon your analysis and gained .375% of a point! Yours is a great service which I would recommend to all serious loan officers."
Linda S.
Perimeter Mtg.
Atlanta, GA.
I recently switched from a more expensive rate alert service. Your new site is awesome! I now have the confidence to know when to lock my loans via text, e-mail or online and so much more, all at much better price. And the new MBS Tracker rocks! I love the trend lines and the levels of support. Outstanding!
Ray Blindauer
California