Refi Candidates

Addresses where a refi makes sense today.

Pulled from Charleston Tri-County RMC mortgage records, joined against Freddie Mac PMMS history to estimate origination rate. Today's 30-yr fixed: 0.00%. High-confidence rows are 100+ bps gap on a $250k+ loan — call those first.

Candidates

High confidence

Avg rate gap

0 bps

Total est. monthly savings

Combined loan principal

0 ranked candidates

saved ★ on top, contacted ✓ next, dismissed ✕ hidden · within default tier sorted newest mortgage first

Export CSV

No candidates yet. Run python -m worker.processing.refi_engine to compute.

✨ AI briefs available — set ANTHROPIC_API_KEY

When the API key is configured (in apps/worker/.env or the /settings page), running python -m worker.llm.refi_brief fills a Claude-written 1-2 sentence "why call now" brief + 3-bullet pitch under each address. ~$0.002 per candidate via Haiku; cached to keep re-runs free.

How this list is generated

For each outstanding mortgage in the Charleston Tri-County RMC, we estimate the borrower's origination rate by looking up the Freddie PMMS rate for the calendar month the mortgage was recorded. We compare against today's PMMS, compute monthly P&I savings on a same-term refi, and rank by gap_bps × log10(loan). Property + lender data join from the seeded Tri-County RMC dataset; live RMC scrapers fill in the parser TODOs in worker/county/charleston/rmc.py.