💡Start here! Enter your current mortgage balance, monthly payment (P&I only), interest rate, and remaining term. This is the foundation for your savings estimate.
If your payments feel like they're squeezing you, you're not alone. Let's see what relief looks like.
⬇
2Step 2 — Your Other Debts
💳 Debts to Consolidate
💡Add your debts. Click "+ Add a Debt" below to add credit cards, auto loans, student loans, or any other debts you'd like to consolidate into your new mortgage.
Add each debt you'd like to roll into your new loan.
Credit Cards
Debt Name
Balance ($)
Payment ($)
Term (mo)
Rate (%)
Auto Loans
Debt Name
Balance ($)
Payment ($)
Term (mo)
Rate (%)
Student Loans
Debt Name
Balance ($)
Payment ($)
Term (mo)
Rate (%)
Installment Loans
Debt Name
Balance ($)
Payment ($)
Term (mo)
Rate (%)
Miscellaneous Debts
Debt Name
Balance ($)
Payment ($)
Term (mo)
Rate (%)
⬇
✓Auto-Calculated Snapshot
📊 Current Total Debt Analysis
🔄This updates automatically as you enter info above. Review your total debt picture — balance, payments, and blended rate — before choosing new loan terms.
Includes your current mortgage and all debts you're consolidating.
Total Debt Balance
$0
Total Monthly Payments
$0
Blended Interest Rate
0%
⬇
3Step 3 — New Loan Terms
🆕 New Loan Terms
💡Set your new terms. Enter your desired rate and loan term. Try different scenarios — the new loan amount and payment update automatically, then click "Estimate My Savings" below!
New Total Loan Amount
$0
New Monthly Payment (P&I Only)
$0
Closing costs are financed into the new loan amount, which increases your loan balance and total interest over time. Does not include taxes, insurance, HOA, or MI.
Results = Estimates (Not an Offer)
Payments and savings shown are estimates for educational purposes only and are not a loan approval, commitment, or rate lock.
Payments shown are principal & interest (P&I) only and do not include taxes, homeowner's insurance, HOA/condo dues, flood insurance, or mortgage insurance (MI).
Rates and costs vary by credit score, LTV, occupancy, program, and investor. Closing costs shown are estimates and are financed into the new loan amount by default, which affects your payment and total interest.
⬇
★Your Results
💰 Your Estimated Monthly Savings
🎯Here's the bottom line — your estimated monthly savings and projected annual impact. If the numbers look good, unlock your full debt-free plan below!
Total Monthly Savings (vs current P&I + listed debts)
$0
Projected Annual Savings
$0
⚠️ Lower monthly payment may increase total interest paid if you extend your loan term or finance closing costs. Savings compare: (current mortgage P&I + listed debt payments) vs. (new consolidated mortgage P&I). Excludes taxes, insurance, HOA, and MI unless entered separately.
⚠️ Your new payment is higher than your current payments. Consider adjusting the loan terms or rate.
⚡ Expedited Payoff with Savings Applied
Applying your monthly savings to principal can help you get debt-free years earlier.
Standard Payoff Time
30 years
Expedited Payoff Time
0 years
Interest Savings
$0
Time Saved
0 years
5-Year Projection
Year
Remaining Balance
Annual Payment
Interest Paid
Unlock Your Full Debt-Free Plan
Get your detailed projections, accelerated payoff timeline, and a personalized PDF report — instantly.
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📈 Sample Market Pricing
Rates from our investor pricing engine — not a personal quote. Your rate depends on your full profile.
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Example rates shown are not a quote. Your rate/APR depends on credit score, LTV, occupancy, loan amount, property type, location, and fees. Assumes: owner-occupied SFR, 740+ FICO, ≤75% LTV, $350K loan amount, 30-yr fixed, FL. Points as shown.
⚠️Cash-out rates note: The rates below reflect standard refinance pricing. Cash-out refinance rates are typically 0.125% – 0.50% higher depending on LTV, credit score, and loan amount. Your actual cash-out rate will be quoted during your strategy session.
🎖️ VA IRRRL
Rate
APR
Points
🏦 Conventional
Rate
APR
Points
🏡 FHA Streamline
Rate
APR
Points
📊 Conv ARM
Rate
APR
Points
📊 FHA ARM
Rate
APR
Points
Your Home Equity Can Eliminate High-Interest Debt
Credit cards at 24% vs. a mortgage at 6% — the math is clear. I've helped homeowners save thousands per month by consolidating debt into a single, tax-advantaged mortgage payment. Let's run your numbers and see if it makes sense.
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Rate Disclosure: Rates shown are for standard rate-and-term refinances based on a 30-year fixed term, 740+ FICO score, and ≤75% LTV unless otherwise noted. Cash-out refinance rates are typically higher. Rates are sourced from our investor pricing engine and are subject to change without notice. These are not commitments to lend. APR reflects total borrowing cost including points and fees. Your actual rate, points, and costs may differ based on credit profile, property type, loan amount, and other factors. Contact Todd Hanley (NMLS #1013665) for a personalized rate quote. Equal Housing Opportunity.
🔎 How This Calculator Works & Key Assumptions
This calculator provides estimates for educational purposes only. It is not a loan application, pre-approval, commitment to lend, or rate lock.
Payments are P&I only — taxes, homeowner's insurance, HOA, flood insurance, and mortgage insurance are not included.
Closing costs are financed into the new loan balance by default.
Savings compare P&I + listed debt payments before vs. after consolidation and do not account for escrow or MI changes.
Extending your loan term may lower monthly payment but increase total interest paid over the life of the loan.
Rates entered are user-provided examples — your actual rate depends on credit, LTV, property type, occupancy, and investor.
If the calculator shows it's not the right time to refinance, we'll tell you that, too. We believe accurate information leads to better financial decisions.
Todd Hanley, RICP®, CMA™ | Senior Loan Officer | NMLS #1013665 | Todd Hanley Mortgage Team powered by United Direct Lending | NMLS #1013665 | 5550 Glades Rd, Suite 500, Boca Raton, FL 33431 | Licensed in FL, TX, NJ | Equal Housing Opportunity | Not a commitment to lend. Not all will qualify.
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