Rate Watch
Get Notified When Refinancing Could Save You Money
Mortgage rates change, and keeping track of them can feel like a full-time job.
With the Plains Commerce Bank Rate Watch Program, you don't have to monitor the market yourself. Our mortgage experts keep an eye on interest rate trends for you and will reach out if refinancing may help lower your monthly payment, reduce your loan term, or better align with your financial goals.
It's completely free, there's no obligation to refinance, and you decide if and when it's the right time to make a move.
You live your life. We'll watch the rates.
Join Rate Watch
Why Join Rate Watch?
Many homeowners miss opportunities to refinance simply because they don't know when mortgage rates have changed enough to make a difference.
Our Rate Watch Program helps take the guesswork out of refinancing.
When you enroll, we'll monitor mortgage rate trends and contact you if market conditions suggest it may be worth reviewing your current mortgage. If refinancing could benefit you, we'll explain your options clearly, without pressure or commitment.
How It Works
1. Complete the Form
Tell us a little about your current mortgage and how to contact you.
2. We Monitor the Market
Our mortgage team keeps an eye on mortgage interest rates and evaluates when refinancing may make financial sense.
3. We Reach Out
If rates drop and refinancing could potentially save you money or help you reach your goals, we'll contact you to discuss your options.
4. You Decide
There's absolutely no obligation to refinance. We'll simply provide information so you can make the decision that's right for you.
Why Timing Matters
Refinancing isn't just about getting a lower interest rate.
Depending on your goals, refinancing may help you:
- Lower your monthly mortgage payment
- Pay off your mortgage sooner
- Consolidate higher-interest debt
- Switch from an adjustable-rate mortgage to a fixed-rate mortgage
- Access your home's equity for renovations or other major expenses
Because every homeowner's situation is different, our mortgage bankers look beyond the interest rate to determine whether refinancing truly makes financial sense.
If it doesn't, we'll tell you that too.
Frequently Asked Questions
Is the Rate Watch Program free?
Yes. The Plains Commerce Bank Rate Watch Program is completely free, and there is no obligation to refinance if we contact you.
Do I have to refinance if you call me?
No. We'll simply let you know when refinancing may be worth considering. The decision is always yours.
How do you know when it's time to refinance?
Our mortgage experts monitor interest rate trends and evaluate whether refinancing could provide meaningful financial benefits based on your current loan and market conditions.
Will you contact me every time rates change?
No. We won't contact you every time rates fluctuate. We'll reach out only if we believe refinancing may genuinely benefit you.
Who should sign up?
Any homeowner interested in refinancing someday—even if that's years away—can benefit from the Rate Watch Program.
Can I join if I didn't get my mortgage through Plains Commerce Bank?
Absolutely. Whether your current mortgage is with Plains Commerce Bank or another lender, you're welcome to enroll in our free Rate Watch Program.
Ready to Let Someone Else Watch the Market?
Stop wondering if now is the right time to refinance.
Join the Plains Commerce Bank Rate Watch Program today. We'll monitor mortgage rates for you, and if refinancing may help you save money or achieve your financial goals, we'll let you know.
It's free. It's personalized. And there's never any pressure to refinance.
All loans are subject to credit and property approval. Rates, program terms, and conditions are subject to change without notice. Additional conditions, qualifications, and restrictions may apply. This is not an offer for extension of credit or commitment to lend.