Refi-Window
Refinance timing alerts for smart homeowners.
James Black
Client Direct Mortgage | NMLS 633511
(925) 285-4898 | [email protected]
Free refinance timing alerts for homeowners
Never miss the perfect moment to refinance your mortgage.
Refi-Window quietly tracks rates, your current loan and local market conditions—then alerts you when refinancing could meaningfully lower your payment or shorten your term.
- Personalized refinance alerts based on your exact loan
- No spam, no obligations—just data-driven timing
- Run the numbers with a licensed Mortgage Broker when you're ready
Takes 30 seconds. No credit check. 100% free.
Average subscribers we work with save between $200–$600/month when their refi window opens.
Get your free Refi-Window alert
Tell us where to send your personalized refinance timing alerts:
By subscribing, you agree to receive refinance timing emails from Refi-Window. No selling of your data. Unsubscribe anytime.
I Help People Refinance at Exactly the Right Time
Hey, I'm James!
Most loan officers push you to refinance immediately. I wait until the numbers actually work.
I've funded over $2 billion in loans since 2008. I built Refi Window because people kept missing their window or refinancing at the wrong time.
You give me your rate and location. I track your market daily. When refinancing makes sense, you get an alert.
Licensed in 16 states. Direct access. Honest guidance.
Your moment will come. I'll tell you when.
- James Black
17+ Years In Mortgage Lending
$2B+ Loans Funded
16 States Licensed & Active
How Refi-Window works
Smarter refinance decisions in 3 simple steps.
You don't need to watch rates every week. We do it for you and only raise our hand when it truly matters.
Step 1
Tell us about your loan
Share your approximate balance, rate and property location so we can benchmark your current mortgage.
Step 2
We watch the market for you
We track rates, potential payment savings and break-even timelines to spot your ideal refinance window.
Step 3
You get a clear, timely alert
When the numbers make sense, we email you with potential monthly savings and options to talk through your scenario.
Why homeowners love Refi-Window
Make the market work for you, not against you.
Most homeowners either refinance too late, or never at all. Refi-Window gives you quiet confidence that you’ll hear about it when the math finally pencils out.
- Stop guessing about rates and save hours of research
- Know your potential savings before you talk to anyone
- Align your refi with life events: renovations, kids, retirement
- Work with a real human team, not a faceless online lender
No cost, no pressure. When your refi window opens, we simply show you the options. You choose if and when to move forward.
"Refi-Window flagged an opportunity we would have completely missed. We knocked $430 off our monthly payment and shaved years off the loan."
— Sarah & Miguel, homeowners in Willow Park
Built for busy homeowners
You don’t need another app. Just an email when the opportunity is real.
Questions, answered
Is this really free? Will you blow up my inbox?
We only send alerts when there’s a meaningful opportunity based on your profile. Many homeowners hear from us a few times per year—not a few times per week.
Unsubscribe in one click from any email. No contracts, no commitments.
What information do you need to send accurate refinance alerts?
We typically ask for your email, approximate loan balance, current interest rate, loan type (fixed/adjustable), and property zip code. This lets us estimate potential savings and avoid sending alerts that don’t apply to you.
Will enrolling affect my credit score?
No. Joining the Refi-Window alert list does not require a credit check and does not impact your credit score. If you decide to move forward with an actual refinance in the future, we’ll explain what to expect at that stage.
Are you going to sell my information to other lenders?
No. We do not sell your contact information. Your details are used only by Refi-Window and our in-house, licensed mortgage and real estate professionals to evaluate your refinance opportunities.
What happens when my "refi window" opens?
You’ll receive an email outlining the estimated new payment, potential savings over the life of your loan, and a clear break-even timeline. You’ll have the option to schedule a quick call or meeting to review details, but there is never any obligation.
Can you also help if I want to move or buy another property?
Yes. Because we’re both mortgage and real estate professionals, we can help you think strategically about refinancing, pulling equity for renovations, or planning a future move or investment purchase.
Lock in peace of mind about your mortgage.
Join the free Refi-Window alert list and let a licensed mortgage team watch the market for you.
Takes under a minute. No credit pull, no obligation, unsubscribe anytime.
Licensee is performing acts for which a real estate license is required. Revest Homes, Inc. is licensed by the California Department of Real Estate, Broker # 02174879; Oregon NMLS 633511/2362319; Texas NMLS 633511/2362319; Florida NMLS 633511/2362319. Loan approval is not guaranteed and is subject to lender review of information. All loan approvals are conditional and all conditions must be met by borrower. Loan is only approved when lender has issued approval in writing and is subject to the Lender conditions. Specified rates may not be available for all borrowers. Rate subject to change with market conditions. Revest Homes, Inc. is an Equal Opportunity Mortgage Broker/Lender. The services referred to herein are not available to persons located outside the state of CA, OR, TX, or TN. Client Direct Mortgage
Licensed In: AL, AZ, CA, CO, CT, DC, FL, GA, ID, IL, IA, KS, KY, LA, MD, ME, MI, MN, MS, NE, NJ, NC, OH, OR, PA, SC, TN, TX, VA, WA, WI, WY & WV | NMLS #1065732
Copyright ©2026 | Client Direct Mortgage
Licensed In: AL, AZ, CA, CO, CT, DC, FL, GA, ID, IL, IA, KS, KY, LA, MD, ME, MI, MN, MS, NE, NJ, NC, OH, OR, PA, SC, TN, TX, VA, WA, WI, WY & WV | NMLS #1065732
Not a commitment to lend. This is not financial or tax advice. All loans subject to qualifying credit and underwriting approval.