• Include all closing costs for accurate analysis
• Consider how long you plan to stay in the home
• Compare total costs, not just monthly payments
Enter your current and new loan details to analyze refinancing
Get comprehensive break-even analysis and recommendations
Calculate exactly how long it takes to recover closing costs through monthly savings to make informed decisions.
Get data-driven recommendations based on rate reduction, break-even period, and loan-to-value ratios.
Evaluate cash-out refinancing options to access home equity for investments, improvements, or debt consolidation.
Compare different interest rate scenarios to understand the impact of rate changes on your refinancing decision.
Consider refinancing when you can reduce your interest rate by at least 0.5-1%, need to access home equity, want to change loan terms, or switch from adjustable to fixed rate. Factor in closing costs and how long you plan to stay in the home.