Reduce cost
Compare APR, lender charges, points, monthly savings and holding period.
Refinance analysis
A lower payment can still be an expensive loan.
We compare the new loan against keeping the current one, including closing costs, term reset, interest over your expected holding period and the value of any cash you receive.
Start with the decision you are trying to improve.
Rate is one input. The real question is whether refinancing improves your cash flow, risk, payoff timeline or access to equity enough to justify its costs.
- Rate-and-term comparison using the remaining balance and term of your current loan
- Break-even analysis using true closing costs and monthly savings
- Cash-out analysis tied to a defined use of proceeds
- 15-year versus 30-year payment and total-interest comparison
- Portfolio review when more than one property or loan could be refinanced
Common goals
Every refinance needs a measurable reason.
Change risk
Evaluate fixed versus adjustable terms, amortization length and payment stability.
Use equity
Match cash-out proceeds to renovation, investment or debt strategy—with the added lien cost visible.
Refinancing may increase the total finance charges over the life of the loan. All loans are subject to credit approval, underwriting, acceptable property and program requirements. This is not a commitment to lend.
Before you reset the clock
Bring the current loan. We’ll test whether the new one is better.
A strategy request is not a loan application, credit decision or commitment to lend.