MEMBER LOGIN:  Forgot your Password?
"I couldn't survive without Rate Alert!" -- Hary M. from St Louis, MO(1/14/2010)"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)"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’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)"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)"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’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)"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)"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’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)
Market Insights 


Not new to the game

Shirmeyer commentary, now in its 20th year of publication, is backed by forty years of bond market trading and mortgage banking experience. Shirmeyer spent twenty years in mortgage banking, from loan officer to COO of a major regional mortgage banking firm; ten years as a bond trader and hedging specialist for two Wall Street firms, working exclusively with mortgage bankers in hedging pipeline interest rate risk exposure. For the last eighteen years, Shirmeyer has been directly managing pipeline risk for a number of large originators, writing the Shirmeyer Rate Report, providing private-label commentaries to wholesale lenders, and web site commentary.

Daily Lock Advice:

Our most widely appreciated service! Our FLOAT vs. LOCK recommendations WILL increase profits while offering peace of mind by reducing the risk associated with holding rate-locked client loans. Our trading philosophy is conservative. We help mortgage lenders increase profit margins by knowing when to hold and when to stand down. E-Mailed at 10:30 AM and 4:30 PM (eastern) every market day, AM and PM Lock Advice Reports are the most widely appreciated service offered by Rate Alert. Thousands of Originators and dozens of Hedge Desks begin their day with the AM Lock Report. The goal of our Daily Lock Advice is two-fold: The best and most thorough interest rate market report available to the mortgage lending industry, concise and un-hedged. Plus, accurate locking and trading suggestions on daily hold/lock decisions. Included are: complete coverage of all economic releases and how markets will react to the reports; what we expect trading activity will do each day; our analysis of where interest rates are headed in the near term and what hurdles must be overcome to achieve our targets; complete details and insight into all economic releases each month and how traders will react; and our specific and detailed hold/lock recommendations. We cover everything needed by mortgage lenders to understand what is really moving the markets now and in the next few days. And once in a while you might even get an opinion or two thrown in whether you want it or not.

The Market Snapshot

Market Snapshot gives Originators a basic idea of high impact events that might affect rates on any given business day. Not geared toward pipeline management or rate protection, the Market Snapshot is not as in-depth as our Daily Lock Advice. The Market Snapshot puts an originator on guard for things that might affect lender pricing. Thousands of Rate Alert Basic members use Market Snapshot to begin their day with this competitive advantage. PRIVATE BRANDING AND AUTO SENDING AVAILAVLE! Executive Members can privately brand and automatically send the Market Snapshot via the "Market Shot" feature included in their membership. Just import, add or edit contacts in your Market Shot Controller and it will be sent every trading day; customized with your company logo and specific details.

The Weekly Preview

For Mortgage and Real Estate executives who don't need daily trading details and analyses, but who must keep abreast of the market, we offer our Weekly Preview. For those requiring specific daily and intraday trading recommendations, check out our Daily Lock Advice. Our weekly market letter is a concise but thorough analysis of U.S. interest rates and the mortgage market, covering everything currently impacting interest rates, plus our forecasts and projections for the week ahead. Included are a brief review of the previous week's events, a look at the upcoming week, all scheduled economic releases and the market's expectation for them. Our strategy section outlines critical technical analysis. The Commentary section probes behind the fluff to get to what is really driving the markets. The Weekly Preview is written every weekend (46 issues per year), and is delivered via e-mail every Sunday. This "first read" on Monday will prepare you for the week ahead and place you at the forefront of markets. With a subscription base of thousands of mortgage and real estate professionals, it is the most widely-read interest rate letter in the industry today. The Weekly Preview is written every weekend (46 issues per year), and is delivered via e-mail every Sunday. This "first read" on Monday will prepare you for the week ahead and place you at the forefront of markets. With a subscription base of thousands of mortgage and real estate professionals, it is the most widely-read interest rate letter in the industry today.

PRIVATE BRANDING AND AUTO SENDING AVAILAVLE! Executive Members can privately brand and automatically send the Weekly Preview via the "Market Shot" feature included in their membership. Just import, add or edit contacts in your Market Shot Controller and it will be sent every Sunday Evening; customized with your company logo and specific details.

The Economic Calendar

Today more than ever, you need to know what's lies on the horizon that can affect your precious loan transactions. Our Economic Calendar educates you on the nature of scheduled economic events, when they happen and the level of potential impact they might have on interest rates. Your clients and referral partners will sleep better knowing that you stay ahead of things that can affect everyone involved in your loan transactions.




What our members say:


"I originally started seeing the Sigma Research Reports when I worked for another company. The first thing I did when I decided to open my own office was arrange to have the Sigma Reports come directly to me. They allow you more insight into the market than any other research I have found".
MaryKay R.
Real Estate Broker
California Dept of Real
Estate,Westminster, CA.

"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.