# MeiFang Rates: Mortgage Watch — Rate alerts, PMI & refi tools > Mortgage tracking, rate alerts, PMI monitoring, and refinance tools for U.S. homeowners. (iPhone/iPad app by ZHAOQIANG LI.) - Source: https://appshunter.io/ios/app/meifang-rates-mortgage-watch/id6794029013 (this page in markdown: same URL + `.md`) - Developer: [ZHAOQIANG LI](https://appshunter.io/developer/6794029015) - Category: Finance - Price: Free - Rating: 5.00/5 from 2 App Store ratings · 1 written reviews indexed - Age rating: 4+ - Requires: iOS 16.4 · 50 MB - Languages: American English - Released: 2026-08-04 - Data updated: 2026-08-22 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/meifang-rates-mortgage-watch/id6794029013/reviews.md ## What is MeiFang Rates? Track your U.S. mortgage and get notified at every moment that could save you money. MY LOAN • Track your loan against daily national market rates (public FRED data) • Set a target rate and get a push notification when the market reaches it • Refinance reference: new payment, monthly savings, break-even at a glance PMI MONITOR • Paying PMI? Once your home equity reaches 20%, you have the right to request removal — but your bank won't remind you • Enter your home value and the app watches your LTV, then alerts you — saving a typical $50–300/month PRO TOOLS • Refi decision panel: is refinancing worth it for the years you plan to stay? • Loan Estimate comparison: two lender offers, one 5-year total cost, plus a negotiable-fee checklist • Fed calendar: FOMC, CPI, and jobs-report dates with plain-language context TODAY'S RATES • Daily locked-loan averages for 30-yr, 15-yr, jumbo, FHA, and VA, with 30-day trends • Every term explained in plain language — in English, Chinese, and Spanish Your loan details stay on your device. No account required. Disclaimer: This app organizes public market data and provides math estimates only. It is not lending, investment, or rate-lock advice. Actual quotes come from lenders. ## Key features - Track loan against market rates - Target rate notifications - Refinance savings calculator - PMI removal alerts - Loan Estimate comparison - Fed economic calendar ## Recent user reviews (1 of 1) All indexed reviews: https://appshunter.io/ios/app/meifang-rates-mortgage-watch/id6794029013/reviews.md ### 5/5 — Useful for me *2026-08-19* I’ve been thinking about refinancing, but it was hard to tell if it would actually be worth it. This app lets me track different mortgage rates and compare them with my current loan, including the estimated cost to refinance. It gives me a much clearer idea of whether I would really save money instead of just focusing on the lower rate. Really helpful and easy to use. ## Frequently asked questions about MeiFang Rates ### What is MeiFang Rates? MeiFang Rates is a free finance app that helps U.S. homeowners track their mortgages, monitor market rates, and identify opportunities to save money through refinancing or PMI removal. ### Is MeiFang Rates free to use? Yes, MeiFang Rates is completely free to download and use. It does not feature in-app purchases or advertisements. ### What kind of mortgage data does MeiFang Rates track? MeiFang Rates tracks your loan against daily national market rates using public FRED data. It also provides daily locked-loan averages for various mortgage types like 30-year, 15-year, jumbo, FHA, and VA. ### How does MeiFang Rates help with refinancing? The app offers a refinance decision panel to assess if refinancing is worthwhile for your planned duration of stay. It also provides a clear view of new payment, monthly savings, and break-even points. ### Can MeiFang Rates help me remove PMI? Yes, MeiFang Rates monitors your loan-to-value (LTV) ratio. Once your home equity reaches 20%, it alerts you, enabling you to request PMI removal and potentially save $50–300 per month. ### What financial events does the Fed calendar in MeiFang Rates cover? The Fed calendar includes key dates for FOMC meetings, CPI releases, and jobs reports, providing plain-language context for these important economic indicators. ### Does MeiFang Rates offer advice on locking rates? No, MeiFang Rates organizes public market data and provides mathematical estimates. It is not a source for lending, investment, or rate-lock advice; actual quotes must come from lenders. ### What devices is MeiFang Rates available on? MeiFang Rates is currently available for iPhone devices. ## Version history (last 2 releases) ### 1.1.0 — 2026-08-18 A complete visual redesign, crafted so even your parents can read it at a glance: - New "warm graphite and champagne brass" theme, calm and professional, easier on the eyes - Bigger rate numbers and a new payoff progress ring - The home screen glows green when the market drops below your rate - Text contrast raised across the app (WCAG AA/AAA), larger touch targets - Refinance verdicts now carry clear check and cross marks, never color alone - Assorted fixes and performance improvements Public-data math estimates only, not lending advice. ### 1.0 — 2026-08-04 No release notes. --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-22.*