Mortgage Calculators

Refinance Calculator

A lower rate isn't automatically a win. Compare the loan you have to the loan you'd get, and check the break-even before you pay a dollar in closing costs.

Dennis Hughes, MLO

(209) 602-4900

Dennis@lend4less.com

NMLS #178729

What is most important to you?

Current loan

Original Loan Amount

Current Rate

Original Term

Payments Already MadeNumber of monthly payments made so far.

New loan

New Rate

New Term

Cash Out

Closing Costs

Roll costs into the loan?

Monthly Payment Change

$369.51

Lower every month with the new loan.

Side by side

Current payment (P&I)$2,728.71

New payment (P&I)$2,359.19

Monthly difference−$369.51

Break-even17 months

Balances & interest

Current balance$387,493

Payments remaining324 months

New loan amount$393,493

Interest left on current loan$496,607

Interest on new loan$455,816

Lifetime interest difference−$40,791

Get my real numbers Apply now

Estimates only. Your credit score, property type, occupancy, loan purpose and down payment drive your actual rate and payment. A calculator will never be as accurate as a conversation with an experienced loan professional.