Professional mortgage analysis tools
Compare your current rate vs new rates and see exactly how much you could save
No credit check required • Free calculator
Potential Savings
104K
over 30 years with today's best rates
Adjust values to see results update
Your current mortgage rate
New refinance rate offered
Rate Difference
1.375% 📉 LOWER
💰 Save $290/month
📅 When will you refinance?
✅ Recommendation
REFINANCE NOW
7.250%
$2616/mo
P&I: $2183
5.875%
$2326/mo
P&I: $1893
Monthly
$290
Annual
$3,481
30yr Total
$94,816
Payoff
Oct '55
✅ GOOD DEAL!
This refinance will save you money. Consider moving forward.
7.040%
$2571/mo
Save $45/mo
6.890%
$2539/mo
Save $78/mo
6.640%
$2486/mo
Save $131/mo
Numbers are boring. Let's show you what refinancing actually looks like.
Clear side-by-side comparison of your monthly payment components
📈 Current Rate (7.25%)
$2616
Total Monthly Payment
📊 New Rate (5.875%)
$2326
Total Monthly Payment
💰 Monthly Difference
+$290
You Save
After 34 months (3 years), it's pure profit in your pocket
Net Profit After 10 Years
$25,205.19
Total savings minus refinance costs
Visualize the total financial impact of keeping your current rate vs refinancing to the new rate
Net Savings (After Refinance Costs)
$95K
Total savings over life of loan minus $9,600 refi costs
That's like getting a Tesla Model S for free 🚗