AI Refinance Timing Optimizer
The Problem
“Choosing the Optimal Mortgage Refinance Window”
Organizations face these key challenges:
1
Refinance decisions are highly sensitive to timing; small rate moves or fee changes can flip a deal from beneficial to uneconomic.
2
Teams lack a unified, borrower-specific view of eligibility (LTV, FICO, DTI) and real-time property value changes, leading to missed opportunities and wasted applications.
3
Marketing and loan officer outreach is often broad and reactive, driving high acquisition costs, low conversion, and customer dissatisfaction from irrelevant offers.
Impact When Solved
30%–60% reduction in wasted refinance outreach and application volume through eligibility + NPV-based targeting10%–25% lift in refinance conversion and 5%–15% improvement in pull-through by optimizing timing and borrower selection$1,500–$4,000 typical borrower savings per successful refinance (first 24 months) and 15%–35% lower lender cost per funded loan