Your lender won't tell you when rates drop, but I will!



If you purchased a home after March 2022, rates will come back down. Let me know how much money you want to save each month and I'll tell you when it's time to refinance.



Take 60 seconds to fill out the form below.

Have questions? I have answers.


Does the rate alarm cost anything?

No, we notify you when the market drops to the savings or rate you requested. There is no obligation to work with us, but why wouldn’t you?

Where do you get your rates from?

We are a national direct lender working with Fannie Mae and Freddie Mac – no middleman so you get the best pricing. We also have a slew of jumbo lenders offering a variety of programs. We lend billions of dollars every year.

Why wouldn’t my current lender call me when rates drop?

They might. But, a 1% drop on a $500,000 mortgage saves you $400 per month …or the bank makes $400 more. Multiply that by all the mortgage loans they have - it’s going in their pocket or back in yours. What’s their rush?

How quickly do rates move?

Mortgage rates can drop and rise daily with economic events. When we get close to your target rate or savings we can talk about next steps to saving you money. You can also consider changing mortgage programs too. I like to offer liability advice and you can choose what works best for you.

When does it make sense to refinance?

That depends on a lot of factors including your current mortgage program (arm vs. fixed), mortgage amount and your long term goals. You can either look at refinancing as a way to increase your cash flow, or to pay off your loan quicker. It’s important to me that you make an informed decision. You can even walk away three days after signing closing paperwork, so there is no risk.

Does it cost money to refinance?

Yes, there are fees involved that vary by State, but we also offer no closing cost options. It’s best to talk with a seasoned professional like Terry to see what makes the most sense for you. If it is not worth refinancing, he’ll tell you that too!

Who is Terry Hastings?


I started in the Real Estate business shortly after graduating college in 1986. I ran a division for the nation’s largest independently owned real estate company and decided to go into the mortgage business 20 years ago. Since then I have helped clients finance over one billion dollars in real estate.

You can expect nothing less than first-class service from my team and I. No loans are “easy” today, and when you hit a snag, that's when we are at our best.

I think you deserve local appraisers, local underwriters and direct lending - fast decisions from the people lending you the money.

Let’s get you into a better rate!

Terry

Contact Info

Terry Hastings
NMLS # 22313

Vice President
Senior Mortgage Banker
Total Mortgage Services, LLC

Cell: (203) 470-5434

[email protected]

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