How advisors can help clients monitor for opportunities to refinance their mortgage

April 21, 2026

Estimated reading time: 2 minutes

In the world of Wealth 3.0, the role of a financial advisor is evolving. It's no longer just about giving holistic advice, but also about enabling holistic implementation. Clients increasingly expect their advisor to be at the center of their financial lives, delivering integrated financial solutions beyond traditional portfolio management.

For too long, mortgages have lived outside the advisory relationship, creating a dual risk: client inertia leads to missed refinance opportunities and those who do act often turn to a bank or wirehouse. In either case, the advisor is sidelined—either unaware of the potential savings or the last to know a transaction is happening. These missed connections result in a loss of both influence and assets. Flourish Lending^◊ helps advisors reclaim their position and take a more active role in mortgages, one of the largest and most important assets on a client's balance sheet. 

With refinance monitoring, Flourish Lending positions advisors to proactively intervene on a client's behalf. It runs quietly in the background to notify you and your clients when it could make sense to refinance a mortgage. Whether set up by the client or the advisor, refinance monitoring allows you to bridge the gap between planning and execution, turning advice into action.

Here is how the process works for advisors, from set up to customer savings:

1. Enable refinance monitoring

To get started, you’ll add your client’s current mortgage(s) to the platform. Manual entry is an option, but setting up an automatic sync ensures that alerts are based on real-time loan balances, allowing you to provide private-bank-level oversight without the manual overhead. 

• Request client to complete automatic sync (recommended): From the lending overview page, select "Refinance monitoring," then click the box titled "Request client to sync mortgage details" and press "Continue." This will send an email to your client requesting them to sync their mortgage details. Once they have linked their property, you will see the information on the household dashboard. As your client makes payments and the balance changes, the information updates automatically so our refinance monitoring stays accurate. 

• Advisor manually enters information: Alternatively, you can manually add your client’s mortgage and property information. With this approach their loan balance will not automatically update over time and you will need to update the information each month to keep the refinance monitoring accurate.

2. Receive automated refinance alerts

Once client properties and mortgages are linked, our automated tools take over. We automatically check their specific loan details against current market rates and refinancing scenarios, scanning for eligible loan options that offer the lowest interest rate with points closest to par (meaning you pay the fewest points). 

If we identify a personalized quote that is at least 0.50% APR lower than your client’s current mortgage rate, we will send an alert that a mortgage refinance could create a savings opportunity. An automated alert gives you a reason to reach out, creating a high-value touchpoint that underscores your central role in their financial life.

3. Gain visibility

When you log in to Flourish, the advisor lending dashboard will display clients with refinance monitoring enabled and clients with refinance opportunities available. 

Leading firms use refinance monitoring to systematize their value proposition, implementing it in two high-impact ways:

• Onboarding: Make enrolling in refinance monitoring a standard part of your new client onboarding process. By capturing mortgage data on day one, you immediately position yourself as the guardian of the client’s most important asset

• Quarterly reviews: Add refinance monitoring as a recurring agenda item for every homeowner client with an active mortgage. It only takes a few minutes and sets the stage for high-value proactive outreach

A small investment in setup today allows you to systematize and scale your lending oversight. By taking action now, you ensure you are in the driver's seat when rates drop, rather than reacting after a client has already moved an asset to a competitor.

Ready to learn more? Log in to your account to get started, schedule a call with our team, or reach out to your Flourish representative.

About Flourish

Flourish builds technology that empowers financial advisors, improves financial lives and retirement outcomes, and delivers new and innovative investment options to advisors. Today, the Flourish platform is used by more than 1,100 wealth management firms representing more than $2.6 trillion in assets under management. Flourish is wholly-owned by MassMutual. For more information, visit www.flourish.com.