Should I Refinance?
The honest version. See your real monthly savings, how long it takes to recoup the costs, and what it does to the total interest you'll pay.
Your results
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What this won't tell you
The break-even is the math. The decision is strategy. This won't tell you whether a shorter term, a rate buydown, a cash-out for a specific goal, or simply leaving things alone is the smarter move for your next five years. That part is a conversation, not a calculator.
The math is the starting point, not the decision.
A calculator can show you the break-even. It can't see your plans, your timeline, or whether a different structure fits you better. Let's pressure-test your actual situation.
Want the full walkthrough? Read the companion article.
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Educational tool only. Not financial, lending, real estate, tax, or legal advice. This is not a commitment to lend, and figures use principal and interest only. Mortgage services through NEXA Mortgage, LLC (Company NMLS #1660690; Brian Wittman, MLO NMLS #2646598; AZBK #2006218; Equal Housing Lender; NEXA corporate office: 5559 S Sossaman Rd, Bldg 1, Ste 101, Mesa, AZ 85212). Real estate through Real Broker LLC (IL License #475.164962). Consult a licensed professional for guidance specific to your situation. Verify mortgage licensing at nmlsconsumeraccess.org. Full disclosures at bluejeanbroker.com/disclosures.