Refinance guidance
Refinance only when the math actually works
A lower rate does not automatically mean a lower cost. Restarting a 30-year term can erase every dollar of monthly savings. We run the full accounting — including remaining interest on your current schedule — and tell you plainly when the answer is to wait.
The process
How this works
- 01
Current loan audit
We pull your current terms, remaining amortization, and mortgage insurance status to establish the true baseline cost of doing nothing.
- 02
Full break-even analysis
Not just closing costs divided by monthly savings — total remaining interest on your current schedule versus total interest on the new one, plus costs.
- 03
Program and lender comparison
As a broker, we shop multiple wholesale lenders. You see the rate, points, and cost structure side by side.
- 04
Close and confirm
We manage appraisal, conditions, and signing, then confirm your first new payment and escrow setup are correct.
- True break-even including amortization reset
- Multiple wholesale lenders compared
- Cash-out versus HELOC modeling
- Mortgage insurance removal analysis
- ARM-to-fixed conversion strategy
- A straight answer when waiting is better
Disclosure: Payment and savings figures shown are estimates for illustration only, are not an offer or commitment to lend, and do not include taxes, insurance, HOA dues, or mortgage insurance unless stated. Actual rates, APR, payments, and terms depend on credit profile, property, loan program, and market conditions at the time of application. Financing is arranged through independent licensed lenders.
Questions
Frequently asked
Want the long-form version? Cyman's four books cover this in depth, and the calculators let you run your own numbers.