If you closed between 2022 and early 2024 at 7.0%+, you're a candidate. Run the savings calculator, see your real break-even, and we'll quote three lenders the same day.
Drop your interest rate by 0.75%+ and recover closing costs in under 24 months. The math gets better the larger the balance.
Tap up to 80% of your home's value for renovation, college, or to consolidate higher-interest debt. Tax-deductible if used on the home.
Recast a 30-year into a 15- or 20-year and own it free-and-clear faster. Most clients drop the rate and the term simultaneously.
If your home appreciated past 80% LTV, refi or simply order a new appraisal — we'll guide whichever is cheaper for your file.
Closing costs are real money. We model your true break-even using the loan estimate from each of three lenders, then show you the cumulative-savings curve at year 1, year 5, year 10, and at full term.
If you're moving in three years, refi might not pay for itself. If you're staying ten, you'd be paying a tax for not refinancing. We'll be honest about which side of that line you're on.
Build my break-even chart| Rate & term | Cash-out | VA IRRRL | FHA streamline | |
|---|---|---|---|---|
| Lower the payment | ✓ Best | ✓ | ✓ | ✓ |
| Pull cash out | — | ✓ Up to 80% LTV | — | — |
| No appraisal needed | — | — | ✓ | ✓ |
| No income docs | — | — | ✓ | ✓ |
| Drop PMI | ✓ If <80% LTV | ✓ | — | — |
| Typical close time | 21 days | 26 days | 14 days | 16 days |
| Closing costs (avg.) | $3,400 | $4,200 | $1,800 | $2,100 |
Set your target rate and your timeframe. We watch every wholesale rate sheet daily and send a single text — never a sales call — when the market hits your number. Most clients refi within 48 hours of a trigger text.
Soft credit pull, three-lender quote, your real break-even — by end of business today.
Run my refi savings →