See what you could save on your mortgage — in 60 seconds.
Answer 7 quick questions. We'll show you all four ways a refinance could help: lower monthly payment, consolidate debt, pull equity, or pay off faster. No credit check for the estimate.
Savings depend on your current loan, fees, credit, and whether you extend your term or finance costs. Estimates only. No SSN required for estimates. If you choose to apply, SSN and a hard credit inquiry may be required.
What's the main reason you're thinking about a refinance?
Pick the one that matters most — we'll shape the math around it.
What kind of property is it?
Where's the property located?
Todd is licensed in FL, TX, and NJ — the personalized rate uses your state's typical adjusters.
Roughly what's your home worth today?
A ballpark is fine — Zillow, Redfin, or your best guess all work.
About what do you owe on your current mortgage?
Rough guess. We'll fine-tune later if it makes sense.
What's your current interest rate?
Check your last mortgage statement — no worries if you estimate.
How's your credit?
This is just so we set realistic expectations — no credit check yet. If you decide to apply later, that's when a real check happens.
How much high-interest debt would you want to fold in?
Credit cards, personal loans, HELOC — not car or student loans. Ballpark is fine.
About how much cash would you want to take out?
Ballpark is fine. How much you can actually take depends on the program and your equity.
Based on today's sample market pricing and your answers — this is what a refinance could look like for you.
Sample Market Pricing. Example rates shown are not a quote. Assumes owner-occupied SFR, 740+ FICO, ≤75% LTV, $350K loan amount, 30-yr fixed, FL. Your rate is adjusted for your answers below. The APR is calculated for your scenario from this rate, today's discount points, $2,116 in lender fees (underwriting $1,095, processing $1,021) and 15 days of prepaid interest, plus estimated PMI above 80% LTV; your actual APR, points and fees appear on your Loan Estimate. A refinance has no down payment; your equity (loan-to-value) is factored in instead.
How we estimated this rate
How this analysis works
Your estimated new rate starts from Todd's live investor pricing sheet (Sample Market Pricing) and is adjusted for the credit tier, loan-to-value, purpose, state, and property type you selected — using standard LLPA (loan-level price adjustment) bands. Payments shown are P&I only. Closing costs are estimated at 2% of the new loan amount and financed in by default, which increases your new balance and lifetime interest.
Savings compare: your current P&I (plus any consolidated debt payments) vs the new mortgage P&I. Excludes taxes, insurance, HOA, and MI unless entered separately. Lower monthly payment may increase total interest paid if you extend your loan term or finance closing costs.