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"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)"For over a decade, with the help of Dave Shirmeyer, I have been better informed on a timely basis, than with any other market commentary I have subscribed to...I know them to have been a reliable and consistent benchmark for decision-making, which in itself is worth more than the subscription price." -- Scott F. from Green Bay, WI(10/4/2009)"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)"For over a decade, with the help of Dave Shirmeyer, I have been better informed on a timely basis, than with any other market commentary I have subscribed to...I know them to have been a reliable and consistent benchmark for decision-making, which in itself is worth more than the subscription price." -- Scott F. from Green Bay, WI(10/4/2009)"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)"For over a decade, with the help of Dave Shirmeyer, I have been better informed on a timely basis, than with any other market commentary I have subscribed to...I know them to have been a reliable and consistent benchmark for decision-making, which in itself is worth more than the subscription price." -- Scott F. from Green Bay, WI(10/4/2009)"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)
Instant Rate Alerts - Most Trusted in the industry!


Why most trusted?

Our system is built on an institutional grade Trading feed; mechanically tied to the market to automatically alert you in advance of potential Lender re-pricing with no potential for human error. Our Alert logic is ever changing and improving which makes and keeps Rate Alert the fastest and most reliable MBS pricing alert system ever built. We track all Mortgage Securities Real-Time and present our data in clear, easy to understand format. Best of all its offered to you at a fraction of the cost of other services. That's why over ten thousand Originators protect their pipelines with Rate Alert!

Types of Alerts

We offer two Re-pricing Alert services. Both can be managed in your own personal Alert Controller. You can elect to receive Instant Re-pricing Alerts based on real-time market volatility which is overwhelmingly preferred by our Members. Instant Re-pricing Alerts are sent whenever MBS pricing moves enough to potentially affect lender pricing; usually in advance of re-pricing. Free members can choose Static Pricing Updates to be sent periodically throughout the day.

Static Pricing Updates – General re-pricing awareness

Static Pricing Updates are very handy for those who want a general idea of what to expect in the way of potential Re-pricing. In addition to receiving an AM Tracking Quote, Static Pricing Updates are defaulted to be sent at 11:30am, 2:30pp with a Closing Bell at 5:30pm. These Updates give you live FNMA coupon pricing at these times. You can set your personal alert preferences on Static Pricing Updates in the Alert Controller to receive them more or less often. But remember, Instant Re-pricing Alerts are the true value of Rate Alert and most widely used by serious lending professionals.

Instant Re-pricing Alerts - Most widely used in the industry

Each morning you will receive an AM Tracking Quote; defaulted at 9:30am EST (when most lenders issue pricing). AM Tracking Quotes are the beginning reference point for MBS pricing movements. This means you will be alerted of changes that could affect pricing from this point forward. You can adjust the time of your AM Tracking Quote to mirror a particular Lender's pricing habits. For example, if your lender typically prices at 10:00am you can adjust accordingly in the Alert Controller. The AM Tracking Quote will give you the live pricing at that point with a comparison to the opening price (8am EST). Rate Alert uses 5:30pm EST as it's "Closing Bell" so your AM Tracking Quote will be compared against 5:30pm (EST) of the prior trading day. After your Tracking Quote, Rate Alert will notify you with Real Time Float Alerts or Lock Alerts. Float Alerts are sent whenever MBS pricing falls by enough to potentially adversely affect lender pricing by 1/8 in FEE (roughly 12 BPs). Conversely, Lock Alerts are defaulted to be sent whenever MBS pricing decreases enough to potentially improve lender pricing. You can adjust your tolerances in your Alert Controller to your desired level of sensitivity. These movement alerts give you current pricing and how it relates to the opening price along with the last three (3) alerts sent that day. Therefore, each Alert you receive offers comprehensive insight as to how the market is "behaving" that day. Mobile Add-on members can get their alerts even faster via SMS messaging.

What our members say:
"I can't afford the extremely high rates I have paid in the past for Brand X MBS service, but knew I needed something to protect me. I signed up yesterday afternoon for your FREE basic service, Which helped me to gain over a half point on a $240k loan. That gain will more than pay for your service. Thanks TBWS!"
Charles Etter

"Rate Alert has been fantastic in keeping me informed about market movement while away from the office throughout the day. The market commentary and daily charting are well worth the low-cost investment!"
Dave Santos
"Rate Alert PRO keeps me up to date with market changes. No matter where I am at I can keep in front of the daily MBS market. I get updates on today's market & when the next significant financial report is expected. Helps me position my clients to lock at the most opportune time! Well worth the money!"
Ethan Horm

"I made an extra $4,900 this week by locking when the rates moved. I advised clients when to lock & saved them on their payment, which resulted in 2 additional referrals from current clients. Rate Alert is like a built-in annuity system. Thank You for your support TBWS!"
John Angelo