Watch the market. Request pricing when you're ready.
Generic market rates do not reflect your credit, property, loan structure, points, or fees. Rate Watch provides informational alerts without presenting them as personalized rates or APRs.
Let us watch the market so you do not have to
Rate Watch monitors mortgage market conditions and can send alerts when a change may be worth discussing with a licensed loan officer. Alerts are informational only and do not guarantee lower payments, savings, or approval.
Alerts matched to your goal
Set a monthly savings target - either a rate or monthly payments reduction. We notify you when the market rates decrease enough to be worth a conversation about refinancing.
Email or text — your choice
Skip checking rates every day. Rate Watch monitors the market and reaches out when conditions may fit what you asked for.
Talk to an advisor when you are ready
If rates look interesting, we may invite you to schedule a call with a licensed mortgage advisor — never an automatic loan offer.
Free and no application required
Sign up in minutes. Rate Watch is informational only and does not commit you to apply or guarantee savings or approval.
Start free alerts
Tell us your goal and how to reach you. We will monitor market conditions and check in when a conversation may make sense.
Opens a third-party Rate Watch signup hosted outside PBT Bancorp's website · Contact info only · No cost · No obligation to apply
Rate Watch alerts are informational only — not a loan offer, rate lock, APR, or commitment to lend. Your actual rate, payment, and eligibility depend on credit, income, property, and other factors. The signup form is provided by a third-party tool; its privacy notice and any phone, SMS, or email consent language control how you may be contacted. Do not enter Social Security numbers or account passwords there.
Rate Watch alerts are educational and informational only. They are not a rate quote, APR, rate lock, offer of credit, or commitment to lend. Personalized pricing is available only after review of your loan scenario. Financial disclosure.