Calculadora de refinanciación
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The break-even rule of thumb
Divide the closing costs by the monthly savings: that is how many months it takes to win the money back. Refinancing makes sense only if you are confident you will keep the loan past that point. A two-percentage-point rate drop is the old shortcut for "worth a look", but with fee-free or low-cost offers even a half-point can break even quickly.
Preguntas frecuentes
Should I refinance into a longer term?
It lowers the payment and frees monthly cash flow, but restarting a 30-year clock on a loan you have partly paid usually increases total interest. Compare the lifetime interest difference above and consider a term equal to what remains.
What counts toward closing costs?
Origination and points, appraisal, title work, recording, and prepaid items. Quotes vary by lender, so ask for a written estimate — or check whether a no-closing-cost refinance trades the fees for a slightly higher rate.