Patrick Taba, also known as Mortgage PatrickMortgage Loan Advisor in Orange County, California
Get a text when refinance rates hit your number.
Join Rate Watch and I'll keep an eye on rates for you. When they get close to your target, you'll hear from me with real refinance numbers, not a sales pitch.
4.8 out of 5 from 50+ client reviewsPatrick Taba (Mortgage Patrick), NMLS #1553052, Santa Ana, CA. E Mortgage Capital, Inc., NMLS #1416824, licensed in 47 states. In states where Patrick isn't individually licensed, you'll be connected with a licensed E Mortgage Capital loan officer.
How Rate Watch works
Free, no credit check and no obligation. You decide if and when to refinance.
Set your target
Pick your loan type, enter your current rate and choose the rate that would make refinancing worth it. It takes about 30 seconds.
I keep watch
I follow rates for your type of loan, not just the national headlines.
You get a text
When rates get close to your target, you'll hear from me. No spam, and you can reply STOP anytime.
Decide with real numbers
I'll show you the new payment, the costs and how long it takes to break even, so you can decide with no pressure.
Mortgage rate trends
National averages by loan type, updated automatically. Tap a loan type to see its trend. Use them as a benchmark, since your own rate depends on your credit, property and loan.
These are national averages, not rates offered by Patrick Taba or E Mortgage Capital, and they aren't a quote or an offer to lend. Averages don't show APR, points or fees. Your actual rate and APR depend on your credit, property, loan program and market conditions.
Join Rate Watch
Set your target and you're done. I'll text you when refinancing is worth a look. Want to talk now instead? You can also call, text or apply online.
- Apply onlinePurchase or refinance application
- Call (949) 468-3931
- Text (949) 468-3931
- Send HOME on Instagram@mortgage_patrick
"Helpful and expeditious, Patrick's team was able to answer all of my questions and took care of my refinance quickly from beginning to end."
Patrick TabaMortgage Loan Advisor, NMLS #1553052
You're on Rate Watch.
I'll text you when rates get close to your number. Want real numbers now? Call or text (949) 468-3931.
Rate Watch questions
Does joining check my credit?
No. Joining Rate Watch doesn't involve a credit check. Your credit is only pulled if you decide to apply, and I'll tell you before that happens.
How often will you text me?
Only when rates move in a way that matters for what you're watching, so message frequency varies. Reply STOP anytime to opt out.
What if I don't know my current rate?
Leave it blank. It's on your mortgage statement, and we can look it up together when the time comes.
What rate makes refinancing worth it?
It depends on your balance, your costs and how long you'll keep the loan. The break-even calculator gives you a quick read, and I'll run real numbers when rates get close.
Is there a cost or commitment?
No. Rate Watch is free, and you're never obligated to refinance, apply or buy.