Rates are slightly lower today as oil prices dip. The US ceasefire remains in place, which is keeping markets calm. A good day to have a conversation about locking if you're close to your target.
Wendy's Tip
As a wholesale broker, I work with dozens of lenders — not just one. That means I shop rates on your behalf and you get the best deal available, not just what one bank offers.
What would you like to do?
Purchase
Estimate your new home payment
Refinance
See your savings & break-even
Current Hot ProgramsUpdated May 2026
No-Cost Refinance
Refinance with zero out-of-pocket closing costs — rate slightly higher, but no cash needed.
First-Time Buyer Assistance
Down payment assistance programs available for qualifying buyers in San Diego County.
Fast-Track Pre-Approval
Get pre-approved in as little as 24 hours with full documentation review.
Ready to talk? Call or text Wendy directly · NMLS #1676955
Avg daily rate shown. As a wholesale broker, Wendy's rate may be slightly lower.
Property details
Purchase price ($)
Down payment ($)
Down payment (%)
Loan type
Conv. limit: $806,500 · High Bal: up to $1,209,750 (San Diego County)
Loan details
Interest rate (%)
Loan term (years)
VA funding fee?
Monthly costs
Property tax (% / yr)
Homeowners ins. ($/mo)
HOA ($/mo)
MI ($/mo)
Est. total monthly payment (PITI)
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P&I + taxes + insurance
Payment breakdown
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Loan summary
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Estimate only. Rate disclaimer: avg daily rate shown. Wendy's rate may be lower. Contact Wendy for a full quote.
Already pre-approved by Wendy?
Request your pre-approval letter to be sent to you and your agent.
Your name
Your email
Your phone
Agent email (optional — Wendy will CC them)
Property address (or TBD)
Any notes for Wendy (optional)
✓ Request sent! Wendy will send your letter shortly.
Avg daily rate shown. As a wholesale broker, Wendy's rate may be slightly lower.
Current loan
Current balance ($)
Current payment ($/mo)
Current rate (%)
Remaining term (yrs)
New loan
New rate (%)
New term (years)
Cash-out amount ($)
Cash-out rate (%)
Est. closing costs ($)
Monthly costs — optional
Leave blank to show P&I savings only. Enter known amounts to include them in the estimate.
Property tax ($/mo)
Homeowners ins. ($/mo)
HOA ($/mo)
Mortgage ins. ($/mo)
🎯 Rate Alert — get notified when rates hit your target
Your target rate (%)
Your name
Your phone (for SMS)
Your email
P&I monthly savings
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Break-even: —
New est. P&I payment
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Principal & interest only
Payment breakdown
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Savings summary
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Estimate only. Avg daily rate shown; Wendy's rate may be lower. Contact Wendy for a full quote.
⚙️ Settings
👥 Clients
🎨 Loan Officer Branding
All fields update the entire app — header, footer, letters, and contact bars.
Company name
Your name
NMLS #
Phone
Email
Website
Your title / credential line
Tagline (italic, home screen)
County / market name
Rate disclaimer text
Tip card (green, home screen)
Current Hot Programs
Up to 3. Leave name blank to hide.
Icon
Program name
Description
Icon
Program name
Description
Icon
Program name
Description
📊 Daily Rates
✏️ Enter manually
📡 Fetch from feed
Type in today's rates. Ticker and alerts update as soon as you save.
Conventional
High Balance
FHA
VA
Jumbo
Paste a CORS-enabled RSS/XML feed URL. The app will fetch rates automatically and fill the fields — review them, then save.
Feed URL
✓ Rates fetched — review & save
Switch to Enter manually above to review or adjust, then save.
🔗 Arive Integration ARIVEZAPIER
Not connected
Enter this app's hosted URL below to connect
How to set this up — 3 steps
1
Connect Arive to Zapier
In Arive → Company Settings → Integrations → click Generate to get your Client ID, Secret Key & API Key. Then click Copy Zapier Invite Link, open it in a new tab, and click Accept Invite & Build Zap. Sign in with the credentials you just generated.
2
Build the Zap
Trigger: Arive → New Loan or Loan Application Submitted in POS. Test to pull sample data.
Action: Webhooks by Zapier → POST. Payload Type: JSON. In the URL field, paste this app's hosted URL. Map fields: borrower name, phone, email, purchase price, loan amount, loan type, property address.
3
Paste your app URL below & save
Enter the URL where this app is hosted. When a loan is created in Arive, Zapier will POST the client data directly here — no relay needed.
This app's hosted URL (where Zapier will POST)
▶ Zapier field mapping reference
Map these Arive fields → POST body
clientName → Borrower First + Last Name phone → Borrower Phone email → Borrower Email purchasePrice → Purchase Price loanAmount → Base Loan Amount loanType → Mortgage Type propertyAddress → Subject Property Address strikeRate → (custom field or leave blank)
📰 Market Update (home screen)
Post type
📈 Market Update
👁 Rate Watch
📰 Economic News
💡 Tip
Headline
Body text
Source / footer note (optional)
✓ Published — visible on home screen
Current client
Client full name
Phone
Email
Property address
Strike rate (%)
🏠 Purchase
🔄 Refinance
Property & down payment
Purchase price ($)
Down payment ($)
Down payment (%)
Loan type
Loan details
Interest rate (%)
Term (years)
VA funding fee
Monthly costs
Property tax (% / yr)
Homeowners ins. ($/mo)
HOA ($/mo)
MI ($/mo)
Current loan
Current balance ($)
Current payment ($/mo)
Current rate (%)
Remaining term (yrs)
New loan
New rate (%)
Term (years)
Cash-out ($)
Cash-out rate (%)
Est. closing costs ($)
Monthly costs — optional
Property tax ($/mo)
Homeowners ins. ($/mo)
HOA ($/mo)
Mortgage ins. ($/mo)
Client's latest activity
No activity yet — client hasn't run a calculation.