Rate Watchers Program

Stay Alert for the Best Mortgage Rates

CTC Mortgage’s Rate Watchers Program lets you receive updates when interest rates move in your favor. Whether you’re planning to buy, refinance, or invest, get ahead with real-time alerts so you don’t miss the opportunity to lock in a great deal.

What is the Rate Watchers Program?

The Rate Watchers Program is a free alert service that tracks mortgage interest rates—including conventional, FHA, VA, and specialty loans—and notifies you when those rates drop or when favorable terms become available. It’s designed for savvy buyers and homeowners who want to time their financing decisions correctly without watching rates around the clock.

Who Can Benefit Most

  • First-time home buyers who are monitoring market conditions before they purchase
  • Homeowners considering a refinance or cash-out refi, waiting for lower interest rates
  • Real estate investors tracking rate trends for investment property financing
  • Self-employed borrowers and foreign nationals—program includes specialty loan types

How It Works

  1. Sign up with your email, name, and the loan types you’re interested in (e.g., 30‑year fixed, VA, etc.)
  2. Tell us your preferred rate and terms (e.g., LTV, credit score range) if you have specifics
  3. Receive alerts by email or SMS when rates drop below your target or favorable options arise
  4. Contact a local CTC Mortgage loan officer to lock in your rate or explore options

Frequently asked questions

  • What kinds of mortgage rates will you send alerts for?

    We cover rates for conventional fixed and adjustable mortgages, FHA, VA, USDA, and specialty loans like DSCR and portfolio options. You’ll select the loan types you want when you sign up so you receive alerts that are relevant to your situation.

  • Do I need to provide my credit score or personal financial info?

    No. To join the Rate Watchers Program, you only need basic details like your name, contact info, and the type(s) of loan you’re following. If you decide to proceed with a rate lock later, you’ll then provide standard documentation.

  • How often will I receive alerts?

    Alerts are sent automatically whenever there’s a meaningful drop in rates for your selected loan types. You can control which loan programs you want to hear about and how often you get alerts.

  • Are there any costs or commitments?

    No. The Rate Watchers Program is free. There is no obligation to lock a rate or use a specific loan program just because you receive an alert.

  • What happens after I get an alert I like?

    Once you get an alert, simply contact CTC Mortgage, and one of our loan officers will help you verify eligibility and next steps to lock in that rate. We’ll walk you through the application and closing process when you’re ready.

Register For our rate watchers program

Rate Watchers Registration

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