The list runs in the background so you never have to watch rates yourself. Close a loan with our team and you go on it automatically, and you stay on until you tell us to take you off. The system tracks your loan type, your credit profile, and where the market sits, then flags us the moment a refinance could actually save you money, rather than us hand-checking every past client. It is never too early to be on it. If rates dropped a full point next month and you were not on the list, you would miss the window. If nothing happens for two years and then rates move, we still get pinged and reach out. Sitting on the list costs nothing, so waiting to enroll only creates a chance to miss something. (If you like watching the market anyway, the Mortgage News Daily rate table lives right on our site at /mnd-rates.) You will not be handed to a random call center. We reach out directly, and in the states where we are not licensed, a lender we know and have vetted does. The simplest way onto the list is to start with the free Roadmap conversation.