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STANDWATCH™
NOT A GOVERNMENT WEBSITEEducational information only, not official advice. StandWatch is independent and does not act for any agency. For any decision, the official source is the final authority. Full disclosures

Community member VA loan, mortgage, refi, savings, and auto rate bulletin board

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    FILTER THE BOARDNarrow the posts by product, term, state, or lender.
    RATE TYPE
    ADD YOURS

    Post your rate

    30 seconds or less. Upload a screenshot and it fills the numbers for you to check; the model reads it once and StandWatch never stores the image. First name and last initial are optional and appear on the board if you give them. No contact details are collected, no sales, no calls. This is a peer to peer community board: StandWatch only monitors, never edits.

    FIXED OR ARM

    Money paid up front to buy the rate down, as a percent of the loan. One point is 1%. Leave blank if none.

    Money the lender gave you toward closing costs, in dollars. Leave blank if none.

    Origination, underwriting, and other lender charges from Section A of the Loan Estimate. Not taxes or title.

    HOW POSTS ARE CHECKED

    Checked, then posted

    Attach a Loan Estimate or statement and it is read once for the lender, rate, term, lock date, and points, then discarded. Names, addresses, and account numbers are ignored and nothing about the file is kept. If the read matches what you typed, the post goes up right away with the screenshot-checked label.

    Posts without a screenshot, posts that do not match, ARMs, savings accounts, and any rate well below that day's benchmark wait for a person, usually within 24 hours, and carry the reported label. Anyone can flag a post; five flags hide it until someone looks. Posts show exactly what the reader typed.

    StandWatch cannot confirm a lender, a rate, or whether you would qualify. Your rate depends on your credit, income, product, and timing. Nothing here is an offer, a recommendation, or advice. Confirm any rate with the lender.
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    Larry Cannon
    WHO BUILT THIS
    Larry Cannon · Founder, StandWatch

    Former active-duty infantryman. Worked at a mutual fund firm through the 08 collapse, then years of mental health and suicide prevention outreach for fellow combat veterans.

    The full story →
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