✦ Refinance Decision Engine
Should I refinance my mortgage?
Get a clear, personalized answer in about 3 minutes
1Current Loan
2New Loan
3About You
Tell us about your current mortgage
Your current loan details help us calculate your exact savings potential.
$
How much you still owe
2%12%
1 yr30 yrs
$
Current market value, used to calculate how much equity you have
Estimated current P&I payment
—
Step 1 of 3
What terms are you considering?
Enter the new rate and terms you're being offered or considering.
2%12%
30 Years
20 Years
15 Years
10 Years
$
Extra cash from home equity. $0 for rate/term refi
$
Typically 2–5% of loan amount
💰
Lower Payment
Reduce monthly cost
💵
Cash Out
Access equity
⚡
Shorter Term
Pay off faster
🛡️
ARM → Fixed
Eliminate rate risk
A few more details
These personalize your analysis and improve the accuracy of our recommendation.
$
Include all borrowers
$
Car, student loans, credit cards
🌟
760+
Excellent
👍
720–759
Very Good
😐
680–719
Good
📈
Below 680
Building
How long do you plan to stay in this home?
✈️
Under 2 yrs
📅
2–5 years
🏡
5–10 years
🌳
Long-term
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