Your mortgage rate goes down automaticallySee footnote
When market rates fall, your rate follows. When they rise, it stays put.
Illustrative chart. Your rate can keep dropping until it reaches a floor, a minimum rate set in your loan terms. Marian is not yet available.
Rate cuts should reach everyone.
About 1 in 5 homeowners who would clearly have benefited from refinancing hadn’t done it, and overpaying costs them every month. Marian passes rate drops to every borrower, automatically. When rates fall, housing gets more affordable for everyone who has a Marian mortgage.
Source: Keys, Pope & Pope, ‘Failure to Refinance,’ Journal of Financial Economics, 2016.
Bar chart. Bars ordered tallest to shortest: Never refinances, Typical borrower, Refinances perfectly.
Illustrative, from our pricing model.
How your rate moves.
We watch the market every day.
Marian checks mortgage rates daily, and you never need to time anything.
When rates rise, your rate stays put.
However high the market climbs, your rate never goes up.
When rates fall far enough, yours drops.
It resets on its own, with no application, appraisal, closing costs or requalifying.
You’re already paying for a rate drop.
Every mortgage rate carries a hidden premium for your right to refinance. Everyone pays it, but only people who refinance get anything back.
Getting it back means a new application, an appraisal, closing costs and qualifying all over again. Many people never get around to it, and others refinance late or pay those costs more than once.
AI agents are about to make it worse.
Assistants that can see your mortgage will soon refinance people at every chance, with closing costs each time.
Lenders will price that in, and every standard mortgage will cost more, including for people who never refinance.
Marian gives you the rate drop you’re already paying for, automatically.
Math, not marketing.
We price Marian by simulating thousands of paths interest rates could take, and we publish how it works.
Be first in line.
Marian isn’t lending yet. Join the waitlist and we’ll let you know when it’s available where you live.