What do you want refinancing to change about your mortgage?

A lower payment? An earlier payoff? More predictability? The answer gives us a starting point.

I compare your current balance, rate, and years left with the proposed loan. Then we look at the closing costs and how long you expect to keep it.

A lower payment can come from taking longer to repay.

That's why I check the payoff date and total cost, along with how long monthly savings may take to recover the fees. If you're moving soon, those savings may never catch up. Sometimes keeping your current mortgage makes more sense.

Use this page to work through the tradeoffs, then open the refinance calculator for a planning estimate.

Call or text me. Let's see whether refinancing would actually help you.