RateLockr

RateLockr is a mobile + web app that helps homebuyers compare mortgage rate-lock offers across lenders in a way that’s actually apples-to-apples. Users enter a Loan Estimate (or upload a PDF), their target closing date, and whether they want points or lender credits. The app normalizes offers into an effective APR + total cash-to-close and highlights hidden tradeoffs like float-down clauses, lock extension fees, and discount-point break-even timelines. It also tracks market rate movement and alerts users when their lock is about to expire or when it’s worth renegotiating. This is not a magic “get the lowest rate” tool; it’s a decision tool that reduces expensive mistakes and prevents buyers from getting nudged into bad structures they don’t understand. Monetization can be subscription for buyers or per-lead pricing for vetted lenders (carefully, to avoid conflicts).