LOAN BY RAZIA
Refinance Analysis
Compare payments and estimate a simple closing-cost break-even period.
Simple Refinance Break-Even
A simple cash-flow comparison only. Excludes changes in loan balance, term, taxes, insurance, and lifetime interest. It is not a refinance recommendation.
Look Beyond the Monthly Payment
The simple break-even calculation compares closing costs with monthly payment savings. It does not measure every tax, equity, term, or interest trade-off. Extending the term can reduce payments while increasing lifetime interest.
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Buying or refinancing? Let’s review your goals and the next steps together.