PROVE THE BENEFIT BEFORE YOU RESET THE LOAN
A Lower Rate Does Not Automatically Mean a Better Refinance.
We compare the monthly change, closing costs, break-even period, remaining term, cash objective and available alternatives before you decide whether to proceed.
Start with a short review. No obligation to proceed.
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The Refinance Must Pass Five Tests.
- What is the true monthly payment change?
- What lender-controlled and total closing costs will be incurred?
- How many months will it take to recover those costs?
- Does the new loan extend the payoff timeline or change total interest materially?
- Is there a less expensive way to achieve the same cash-flow or liquidity objective?
Start With the Objective, Not the Product.
- Reduce payment or change the rate structure
- Shorten or extend the term
- Access equity for a defined purpose
- Consolidate a first mortgage and second lien
- Address divorce, ownership or title changes with appropriate legal guidance
- Remove mortgage insurance where eligible
- Improve cash-flow flexibility
No-Closing-Cost Does Not Mean Free.
A lender credit may offset some or all closing costs in exchange for a higher rate. That structure can be useful in the right circumstances, but the cost is reflected in pricing. We show the credit, payment difference and likely break-even so you can compare it with paying costs upfront.