How big does the Charleston Tri-County refi pool get if rates drop?
For each scenario, we recompute every outstanding mortgage's rate gap against today's 30-yr fixed 6.45% and count those that would clear the 50 bps refi threshold. Click any scenario row to see the actual pre-warm watchlist — the properties that would become refi-eligible at that rate. Export the list, send a "watching rates for you" letter today, so your call lands the instant rates actually move.
| Scenario | PMMS rate | Candidates | Δ vs today | Avg gap | Total mo. savings | Pool principal | |
|---|---|---|---|---|---|---|---|
| Today | 6.45% | 0 | — | 0 bps | $0 | $0 | |
| −25 bps | 6.20% | 0 | 0 | 0 bps | $0 | $0 | |
| −50 bps | 5.95% | 0 | 0 | 0 bps | $0 | $0 | |
| −75 bps | 5.70% | 0 | 0 | 0 bps | $0 | $0 | |
| −100 bps | 5.45% | 0 | 0 | 0 bps | $0 | $0 | |
| −125 bps | 5.20% | 0 | 0 | 0 bps | $0 | $0 | |
| −150 bps | 4.95% | 0 | 0 | 0 bps | $0 | $0 |
When the FOMC cuts and PMMS drops 25-50 bps, your callable pool can grow 4-5×. Pre-warm the most likely scenarios: click a scenario, export the CSV, mail-merge a "watching rates for you" letter, and file the list. When PMMS lands at one of these scenarios, the new candidates flow into /refi automatically and the Slack alert router fires the digest — except now your warm-up letter is already in their mailbox.