Refinance Calculator
Scenario A (5.25% Refi) Results
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Preguntas Frecuentes
What is mortgage refinancing and how does it work?
Mortgage refinancing replaces your current home loan with a new loan containing updated terms, interest rates, or loan durations. Borrowers typically refinance to secure lower monthly payments, reduce total interest paid, or shorten their repayment timeline.
How is the refinance break-even point calculated?
The break-even point is computed by dividing total closing costs by monthly payment savings. For example, if closing costs are $4,500 and your new mortgage saves $150 per month, your break-even point is 30 months ($4,500 / $150).
What closing costs are associated with refinancing?
Refinance closing costs typically range between 2% and 5% of the total loan balance, including lender origination fees, home appraisal fees, title insurance, and recording fees.
When is the right time to refinance a mortgage?
Refinancing is advantageous when market interest rates drop at least 0.75% to 1.0% below your current rate, your credit score has improved significantly, or you plan to stay in the home longer than the break-even period.
Can refinancing extend my total loan term?
Yes. Resetting a remaining 20-year mortgage back to a new 30-year loan will lower your immediate monthly payment, but may increase total lifetime interest costs unless your new interest rate is substantially lower.
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