Email and daily push alerts the moment a past client becomes a refinance candidate.
BNTouch’s Refinance Opportunity Alerts and Loan Anniversary Alerts run continuously across your borrower database. When a past client crosses into refi territory or hits their loan anniversary, you get an email plus an in-app push notification with tap-to-call so you can act in seconds, not days.
Most LOs find out their borrower refinanced 30 days after the loan closed somewhere else.
Past clients drift. Rates change. Loan anniversaries pass. Without an active alert engine running across the database, the LO finds out about a refi opportunity weeks late, when their borrower has already locked with someone else. The fix isn’t more discipline; it’s the alert that fires automatically the moment the math shifts in the borrower’s favor.
Without Refinance Alerts
With BNTouch Refinance Alerts
How Refinance Opportunity Alerts works
Refinance Alerts run continuously across every contact in your BNTouch database. No manual list pulls, no monthly check-ins required.
Connect your database
Past clients, leads, partners. The alert engine runs across every contact in BNTouch with a documented mortgage origination or anniversary date.
Daily monitoring
Rate environment, loan anniversary, refi-eligibility math run nightly. The system tracks each borrower’s current rate against the market and the 0.75% threshold by default.
Email + in-app push fires
When a borrower becomes a refi candidate, you get an email and a daily in-app push notification. Tap-to-call is built into the alert card.
Outreach in one tap
From the alert: call, text (TCPA-compliant), or trigger an automated drip. The borrower’s rate context, loan history, and outreach status are all on the same screen.
What Refinance Alerts are worth
The math on a single saved loan covers the entire BNTouch subscription for a year. Refinance Alerts are the safety net that catches the borrower before they Google their way to another lender.
Single saved loan, conservative estimate
One saved loan = 2-5 years of BNTouch subscription cost
Top users save 6-12 of these per year per 1,000 contacts
Numbers vary by portfolio composition. Refinance-heavy LO portfolios (especially in markets with high rate volatility) see the biggest impact. The alert engine pays for itself within the first quarter of activation in almost every case.
Common questions
How does this differ from Credit Pull Alerts?
Different signal. Credit Pull Alerts catch active intent (a competitor pulled credit, the borrower is shopping right now). Refinance Opportunity Alerts catch latent opportunity (the math says a refi makes sense, even if the borrower hasn’t started yet). Top BNTouch users run both. Together they catch the highest percentage of recapture opportunities.
How is the refi threshold calculated?
Default is the 0.75% rule: when current market rates drop 0.75% below the borrower’s existing rate, the system flags a refi candidate. Threshold is configurable per LO or branch.
Are loan anniversaries also tracked?
Yes. BNTouch fires Loan Anniversary Alerts independently of rate-based alerts. The two work together: anniversary triggers the Annual Mortgage Review motion, refi alerts trigger urgent rate-driven outreach.
How fast does the alert reach the LO?
Email immediately when the threshold is crossed. Daily in-app push notification on the LO’s dashboard. Tap-to-call from the notification card.
What if I have 1,000+ past clients?
The alert engine runs continuously across the full database. Volume isn’t a constraint. Most LOs see 5-15 active alerts in their dashboard at any given time after activation.
Don’t find out 30 days late.
Free demo. We’ll set up Refinance Opportunity Alerts on a sample database and show you the alerts that would have fired this month.
Get a free demo