--- title: Why the Fed's rate cut could double your response rate. description: The Fed announced a 0.25% rate cut and we all know doesn't mean mortgage rates drop the same but there is something exciting that this does for your marketing efforts. image: https://blog.monitorbase.com/hubfs/Imported_Blog_Media/early%20payoff%20warning-3.jpg --- 1 min read # Why the Fed's rate cut could double your response rate. [ Louis Zitting ](https://blog.monitorbase.com/author/louis-zitting) : Aug 5, 2019 12:00:00 AM [predictive marketing](https://blog.monitorbase.com/tag/predictive-marketing) [perpetual refinances](https://blog.monitorbase.com/tag/perpetual-refinances) [fed rate cut](https://blog.monitorbase.com/tag/fed-rate-cut) [refinance](https://blog.monitorbase.com/tag/refinance) ![Why the Fed's rate cut could double your response rate.](https://blog.monitorbase.com/hubfs/Imported_Blog_Media/early%20payoff%20warning-3.jpg) We've all seen mortgage rates come down in the past few months, and that's great.  It's no surprise that refinances are coming out of the woodwork for those with 4.75%+ rates.  The Fed announced a 0.25% rate cut and we all know doesn't mean mortgage rates drop the same..  but there is something exciting that this does for your marketing efforts.   **When the news says "*bla bla bla .. lower interest rates"*, homeowners look into refinancing at a much higher response rate.  We've seen this many times over the past 10 years.**   There were already millions of homeowners with interest rates high enough that they could benefit from a refinance.  Margin spreads between fair and great credit borrowers have been generating perpetual refinance opportunities.  When a consumer's credit score migrates higher after buying a home the offer rates at their improved credit score can be 0.50% better without a change in market rates.  The Fed's news about lowering interest rates is just the noise we needed to push consumers to take action.  Check out our [Predictive Marketing alerts](https://ww3.monitorbase.com/predictive-marketing-automation) to automate marketing to homeowners that are in the sweet spot for an interest rate reduction.  There is a tsunami of refinance transactions coming our way.  If you aren't monitoring your database for opportunities, now is the time to get started with [Database Marketing Alerts](https://blog.monitorbase.com/academy/get-started-with-database-monitoring-alerts).  - [Tweet](https://twitter.com/share) [![MB Insider Trends: Rate Watch and Refis](https://blog.monitorbase.com/hubfs/Imported_Blog_Media/backgroud%20cropped-Apr-11-2025-01-46-42-8605-PM.png) ](https://blog.monitorbase.com/mb-insider-trends-rate-watch-and-refis) #### [MB Insider Trends: Rate Watch and Refis](https://blog.monitorbase.com/mb-insider-trends-rate-watch-and-refis) [Louis Zitting](https://blog.monitorbase.com/author/louis-zitting) : Jun 17, 2020 12:00:00 AM Interested in seeing where the hot spots are in mortgage originations? Here are some interesting stats that we are seeing in the data right now. [epo warning](https://blog.monitorbase.com/tag/epo-warning) [credit migration](https://blog.monitorbase.com/tag/credit-migration) [mortgage trigger](https://blog.monitorbase.com/tag/mortgage-trigger) [inquiry alerts](https://blog.monitorbase.com/tag/inquiry-alerts) [refinance](https://blog.monitorbase.com/tag/refinance) [first time home buyer](https://blog.monitorbase.com/tag/first-time-home-buyer) [weekly trends](https://blog.monitorbase.com/tag/weekly-trends) [early pay off](https://blog.monitorbase.com/tag/early-pay-off) [mortgage inquiry](https://blog.monitorbase.com/tag/mortgage-inquiry) [Read More](https://blog.monitorbase.com/mb-insider-trends-rate-watch-and-refis) [![3 Things to Watch in a Falling Rate Environment](https://blog.monitorbase.com/hubfs/Imported_Blog_Media/newbg1-smaller-1.jpg) ](https://blog.monitorbase.com/3-things-to-watch-in-a-falling-rate-environment) #### [3 Things to Watch in a Falling Rate Environment](https://blog.monitorbase.com/3-things-to-watch-in-a-falling-rate-environment) [Louis Zitting](https://blog.monitorbase.com/author/louis-zitting) : Aug 14, 2024 12:00:00 AM [Database Retention System](https://blog.monitorbase.com/tag/database-retention-system) [Read More](https://blog.monitorbase.com/3-things-to-watch-in-a-falling-rate-environment) [![How Randy Senzig Has A 98% Pull Through Rate And Closes 25 Loans Per Month With A Single Processor](https://blog.monitorbase.com/hubfs/Imported_Blog_Media/98-pull-through-rate-2-1.jpg) ](https://blog.monitorbase.com/98-pull-through-rate) #### [How Randy Senzig Has A 98% Pull Through Rate And Closes 25 Loans Per Month With A Single Processor](https://blog.monitorbase.com/98-pull-through-rate) [Kevin LeBaron](https://blog.monitorbase.com/author/kevin-lebaron) : Mar 7, 2024 12:00:00 AM [Read More](https://blog.monitorbase.com/98-pull-through-rate) ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Louis Zitting", "url" : "https://blog.monitorbase.com/author/louis-zitting" }, "dateModified" : "2025-04-11T13:47:20.433Z", "datePublished" : "2019-08-05T06:00:00.000Z", "headline" : "Why the Fed's rate cut could double your response rate.", "image" : [ "https://blog.monitorbase.com/hubfs/Imported_Blog_Media/early%20payoff%20warning-3.jpg" ], "mainEntityOfPage" : { "@id" : "https://blog.monitorbase.com/why-the-feds-rate-cut-could-double-your-response-rate", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://blog.monitorbase.com/hubfs/download.png" }, "name" : "Mobility Market Intelligence (MMI)" } } ```