Homeowners
Already in a home
Refinancing isn’t always the right move. Rate matters, closing costs matter, and so does how long you plan to stay. Enter your current loan — or send a photo of your statement — and Michael will give you an honest read.
Past clients
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Track home value, equity, and rate opportunities — free, tied to me.
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A straight answer
Should I refinance?
Rate matters. So do closing costs, and how long you plan to stay. We’ll compare your current principal and interest to today’s 30-year average of 6.87% — same remaining term, no cash out.
- Current principal & interest
- $2,676
- New principal & interest
- $2,582
- Monthly difference
- $94
- Break-even
- 59 mo
On these numbers, a rate-and-term refinance is not an obvious win. If you want cash out, or taxes and insurance have changed, still send a statement — I’ll take an honest look.