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"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)"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)
Shirmeyer Live!  Executive Membership


Be smarter than the pricing desk

Executive members enjoy live MBS coaching sessions in live tele-seminars with David Shirmeyer. These periodic seminars include such topics as technical indicators, critical events that might affect interest rates, and why. Learn how to use the MBS Tracker to better evaluate trends and resistance points. Interract directly with David Shirmeyer in these live sessions with follow-up Q&A sessions. Unlike other companies, we don't charge our own members to join our educational events. Get the information you need to succeed and avoid getting burned by devastating rate changes.


Rate Alert and Sigma Research, Inc.


Mission

Rate Alert and Sigma Research have strategically alligned to create the finest interest rate market-timing company specializing in near-term analyses, forecasts and recommendations to Mortgage Professionals. We share reports and strategies with financial institutions, mortgage banking firms, and mortgage brokering companies, and provide advisory services to several Wall Street firms.

Biography

David L. Shirmeyer's background includes 20 years of corporate mortgage banking. Beginning his career as a mortgage loan originator, he quickly advanced to senior management responsible for an 18-branch retail mortgage banking firm. In 1975 he became chief operating officer of Churchill Mortgage Corporation in Atlanta and was instrumental in reversing previous annual losses and restructuring the company's operations. In 1979 he joined the Credit Union National Association (CUNA) to assist in creating a mortgage banking conduit to allow small credit unions access to mortgage funds. In 1982, he joined Conti Commodities, the firm that developed financial futures markets at the Chicago Board of Trade. In 1984, Shirmeyer joined Thompson-McKinnon Securities and developed risk-management techniques to successfully hedge interest rate risk exposure for financial institutions and for mortgage lenders' origination pipelines. Over the last twenty years his model has consistently forecasted every major market turning point and eliminated the risk of adverse price movement while capitalizing on market rallies. In 1989, Shirmeyer started his own interest rate consulting firm, Sigma Research, Inc. Sigma publishes a weekly market letter, THE SHIRMEYER REPORT, the e-DAILY RATE MARKET REPORT, directly manages interest rate pipeline exposure for large mortgage originators and writes private-label commentaries for mortgage wholesalers to use in marketing. Shirmeyer has been a featured columnist for the National Mortgage Broker magazine and has been an invited speaker for the Mortgage Bankers Association, the National Association of Mortgage Brokers and the Chicago Board of Trade, in addition to lecturing at advanced educational programs at Indiana University and Ohio State University.



What Our Members Say:


"I have subscribed to the Shirmeyer Market Report for several years now. I feel lost without getting my early morning email. The insight into the market is remarkably accurate and helps me to time the selling of my loans and discuss the rates with our members."
Cordieann B., Manager,
Mortgage Lending, Barksdale Federal
Credit Union,Bossier City, LA
"As an experienced mortgage broker, Dave has guided me through this recent refinance market like a Nepalese sherpa..... Dave not only has the acumen to research and analyze remarkably well, but also has the intuitive depth to make calls when others are directionless. I've made a lot of money following Dave's advice!"
Millie A., All California Mortgage,
Larkspur, CA
"For over a decade, with the help of Dave Shirmeyer and the Shirmeyer Report, 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., Associated Mortgage,SVP,
Green Bay, WI.
"Mr. Shirmeyer is great. We rely upon his daily lock advice to make all of our short-term lock or hold decisions. It gives us a 'professional trader's' perspective of the interest rate markets, which we so desperately need..... Now, I can't imagine how I ever did the mortgage business without The Shirmeyer e-Daily Rate Market Report."
Richard M. CFO Golden State Mortgage, Riverside, CA.