Know your mortgage. Know when a refinance pays.
Upload your closing disclosure once. RefiGeek keeps your loan terms on record, reads the quotes brokers send you, runs the breakeven math, and checks your rate against the market on a schedule you choose.
Freddie Mac PMMS 30Y fixed
7.11%
as of 2026-11-12 · FRED
Freddie Mac PMMS 15Y fixed
6.45%
as of 2026-11-12 · FRED
Optimal Blue 30Y conforming
7.25%
as of 2026-11-12 · FRED
Registry
Drop in a Closing Disclosure, Loan Estimate or statement. The terms are extracted with the quoted line from the document next to each value, and you confirm them.
Offer check
Paste a broker's email or upload their Loan Estimate. See the real breakeven, the cost over the years you expect to stay, fees worth questioning, and what to ask next.
Periodic review
Weekly or monthly, your rate is compared against daily lock data and a web scan of published lender rates. You get an email only you can act on.