Should You Refinance? The NPV-Adjusted Answer in Minutes
Stop guessing. Get a data-driven refinance recommendation that accounts for closing costs, rate trajectories, break-even timing, and your actual financial goals.
Analyze My Mortgage →What You Get
Break-Even Calculator
Know exactly when refinancing pays for itself with month-by-month NPV projections.
Rate Trajectory Modeling
Forward-looking rate scenarios so you time your refi at the optimal moment.
Cash-Out Equity Analysis
Model cash-out scenarios against home equity to maximize net worth impact.
ARM-to-Fixed Conversion
Quantify the cost of certainty when converting adjustable-rate to fixed.
Loan Term Optimizer
Compare 15 vs 20 vs 30-year terms weighted by your actual financial goals.
PMI Removal Timing
Calculate the optimal path to drop PMI — refi, reappraise, or pay down.
How It Works
Enter Your Loan Details
Current balance, rate, term, and property value — takes 60 seconds.
Get Your NPV Analysis
Our engine models break-even, rate trajectories, and closing cost recovery.
Act With Confidence
Clear recommendation: refinance now, wait, or hold — backed by the math.