1. Download or Open the App
Get the NerdWallet app — or open it if you already have it — and connect your mortgage in a couple of minutes.
Your Money's Nerdiest Friend
Your Mortgage Rate Could Be Costing You $193* a Month
You should never overpay on your mortgage. Download the app, connect your account, and see your Rate Health today — then we'll keep watching it every day and tell you the moment refinancing could save you money.
★★★★★ 4.8 App Store rating 🔒 Bank-level encryption Free to download
How It Works
Connect once. We'll watch it from here.
2. We Score Your Rate Health
We compare your rate to today's market and lender data to score your Rate Health — then keep watching it every day so you don't have to.
3. We Tell You When to Act
The moment your Rate Health shows savings, we'll notify you with personalized recommendations — right in the app.
Common Questions
Is my mortgage information secure?
Yes. Your mortgage account is connected the same way NerdWallet connects any other financial account — securely, and only to monitor your rate.
How is this different from checking rates myself?
You don't have to remember to check. We watch the market for you and only reach out when refinancing would actually save you money.
Do I have to refinance if you notify me?
No. We'll let you know when there's a savings opportunity — it's always your call whether to move forward.
Never Overpay on Your Mortgage Again
Get the AppSee your Rate Health — then we watch it daily so you don't have to · Free to download
*NerdWallet, Inc. is not a lender. Rate monitoring and refinance savings estimates are based on available market data and your connected account information; actual savings, if any, depend on individual credit profile, loan terms, and lender approval. Not a guarantee of savings or loan approval. The $193/month figure reflects LendingTree's analysis of average potential monthly savings for homeowners who obtained a 30-year fixed-rate mortgage between 2023 and 2025, based on market rates observed in early April 2026; individual results vary. See lendingtree.com for methodology.
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