Rate goals
Tell us your target. We'll call you when it's worth a conversation.
Tell us the rate you're waiting for when you do the check-in, and a licensed loan officer will follow up to talk through your options. We don't send automated rate alerts.
Built for refinancers and buyers thinking through a budget, and for business owners considering a move.
About rates on this page
What this page is
Rates move constantly, and the difference between today and the right day can change what a purchase or refinance costs you over the life of a loan. This page is a way to start a conversation with a licensed loan officer about the rate that would make your move worthwhile and the options that may fit your goals. We do not monitor rates or send automated alerts.
How the conversation starts
- 1
Tell us what you are considering
Start the check-in and share your goal and the rate you are considering. It takes about a minute, with no credit pull and no tax returns.
- 2
A licensed loan officer follows up
A licensed loan officer follows up personally to talk through the financing options that may fit your goals.
- 3
Talk through your options
You can discuss current market context, your goals, and the next steps that make sense for your situation.
Who this conversation helps
Refinancers waiting for a better rate
You already own and want to talk through whether a refinance could make the math work before you decide to move.
Buyers waiting for the right moment
You are house-hunting and want to talk through how current market conditions could affect your budget.
Business owners timing a cash-out
You are considering tapping equity for the business and want to act when financing conditions are favorable rather than reactively.
Start a rate-goal conversation
Start the 60-second check-in and share the rate you are considering. A licensed loan officer can follow up personally to talk through your options. No credit pull, no tax returns, and no obligation.
Rate-goal conversation — common questions
What is this rate-goal conversation?
Tell us the rate you're waiting for when you do the check-in, and a licensed loan officer will follow up to talk through your options. We don't send automated rate alerts.
Does signing up guarantee I will get the rate I want?
No. This page is not an offer, rate lock, monitoring service, or notification service. Rates move with the market and depend on your full profile, the property, and lender guidelines. A licensed loan officer can review your actual options when you are ready to talk.
Does the check-in run a credit check?
No. Getting started uses the same 60-second check-in — a few questions and a self-reported credit band, with no credit pull and no tax returns. A credit check only happens later, with your consent, if you choose to move forward on a formal application.
How will I be notified?
A licensed loan officer follows up personally using the contact details you provide during the check-in. There is no automated alert or notification system.
Who is this conversation best for?
It fits refinancers, buyers thinking through a budget, and business owners considering a cash-out or purchase. If you know roughly the rate that would make your move worthwhile, a licensed loan officer can talk through your options.
Is there any cost or obligation?
Starting the check-in carries no cost and no obligation. You are sharing context for a licensed loan officer to follow up personally. You decide whether to move forward.
Ready to talk through your rate goal?
The 60-second check-in is where it starts. Share your target and income structure, and a licensed loan officer follows up personally to talk through your options. No credit pull, no tax returns, and no obligation.
Related resources
- GuideHow it worksFrom five questions to a matched loan path.
- Loan programAll loan programsThe programs a licensed loan officer can match you to.
- Loan programAdjustable-rate (ARM) loansHow a fixed-then-adjusting rate compares to a fixed loan.
- DefinitionWhat is a rate lock?How locking holds a rate while your loan is processed.
- FAQFAQ hubDirect answers to common questions from self-employed borrowers.
- Borrower typeWho we helpThe borrower types we specialize in.
This page is an invitation to discuss your rate goal with a licensed loan officer. It is not an automated notification service, application, pre-qualification, rate lock, or commitment to lend. Any rates referenced are illustrative and for educational purposes only — not an offer of specific terms. Rates and availability depend on market conditions, your profile, the property, and lender guidelines, and are confirmed by a licensed loan officer.
Sunrise Lending · Equal Housing Opportunity. Matching rules are written and reviewed by licensed mortgage professionals. All loan decisions are made by licensed mortgage professionals. Not a commitment to lend. Loan approval subject to underwriting guidelines. This is not financial advice.