Stop overpaying
on autopilot.
Ratey monitors your loan 24/7. We calculate the exact dollar impact of market moves, so you know exactly when to switch.
Potential Monthly Savings
Alert
Rate dropped 0.15%
Analyzing rates from 80+ lenders
See your savings in seconds.
No signup required. Just your basic loan details.
Quick Check
Updated today
Monthly Savings
1st Year Net
$432
*Hypothetical scenario based on advertised rates.
Everything you need to
manage your biggest debt.
We stripped away the banking jargon. Just clear, actionable insights.
Real Dollar Math
Percentages are confusing. We translate rate moves into monthly cash flow changes.
Fee Detective
We scan for hidden discharge fees and application costs to find the true break-even point.
Silent Watchdog
We check 80+ lenders daily. You only get alerted if the savings exceed your threshold.
Document Vault
Store your contract securely. When you're ready to switch, your paperwork is ready too.
Loved by homeowners.
Join thousands already saving with Ratey.
“Ratey found a rate 0.4% lower than what my broker offered. That's $180/month back in my pocket.”
Sarah M.
First Home Buyer
Saved
$2,160/yr
“Managing 3 investment properties, Ratey keeps me updated on all of them. Worth every penny.”
David K.
Property Investor
Saved
$4,800/yr
“I was paying 6.2% for 2 years without realizing I could switch. Never again.”
Michelle T.
Homeowner
Saved
$3,240/yr
Simple pricing.
Start free. Upgrade only if you want automation.
Snapshot
One-time checkup.
- One-time savings snapshot
- Basic market comparison
- Fee estimate summary
- Secure PDF report
Monitor
24/7 Watchdog.
- Everything in Snapshot
- 24/7 AI market monitoring
- Instant SMS/Email alerts
- Unlimited document vault
- Explainable AI insights
- Priority support
Common Questions
Stop wondering. Start saving.
Join thousands of homeowners who sleep better knowing Ratey is watching the market.
No credit card required. Secure.