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Lowest Mortgage Rates
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Weekly Updates
Fresh rates every Monday for all loan types
Expert Commentary
Market insights from Bill (15 years experience)
Lock Recommendations
Know when to lock based on market trends
No Spam
Unsubscribe anytime. Just data, no sales pitches.
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What You'll Receive Every Week
Current Rates
30-year fixed, 15-year fixed, DSCR (1.2+), Asset Based, HELOC, Commercial
Market Commentary
2-3 sentences on what's moving rates and where they're headed
Action Items
Should you lock now, wait, or refinance? Clear recommendations.
Frequently Asked Questions
How often do you send emails?
Once per week, every Monday at 8am Pacific. No daily spam, no random promotions.
What loan types do you cover?
Conventional (conforming), FHA, VA, DSCR investment loans, Asset-Based loans, HELOC, and Commercial. All rates specific to California borrowers.
Is this spam?
No. You get one email per week with rate data and brief commentary. Unsubscribe link in every email. No sales pitches, no automated follow-ups.
Who is Bill McCoy?
Licensed California mortgage broker (DRE #01212512, NMLS #2787839) with 15 years experience. Owner of Better Offers Inc. Former real estate investor and landlord.
Can I change my preferences later?
Yes. Every email has an "Update Preferences" link where you can change your loan type of interest or unsubscribe completely.