Should you refinance?
Find out when a refinance pays off, and if it ever costs you more.
What the calculator shows
- The true break-even
- The simple break-even
- The real cost of debt consolidation
- A side-by-side comparison of lenders
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For loan officers
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Guides
- Refinance break-even: the true-cost method
Why closing costs ÷ monthly savings can mislead you, and what to count instead.
- Should you roll debt into your mortgage?
A lower rate over a longer time can cost you more. Here is how to check.
- How to read a Loan Estimate for a refinance
Sections A to J, explained, and which ones RefiROI counts.
- Does a refinance reset your 30-year clock?
A lower payment today can mean more interest over the life of the loan.
- Points or lender credits: which one pays off?
How long you keep the loan decides which option wins.