📊 Refinance Analysis

Refinance Savings Calculator

See exactly how much you could save with a comprehensive side-by-side comparison of your current mortgage vs. refinancing.

✓ No Credit Check

✓ 100% Free

✓ Instant Results

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Current Mortgage

Current Rate

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Original Loan Amount

$

Current Balance

$

Loan Term (Years)

First Payment Date

Today's Date

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New Refinance

New Rate

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New Loan Amount

$

New Term (Years)

First Payment Date

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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). This is only an estimate. If including an escrow account, this amount can change. 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.

Calculating your personalized savings...

Your Personalized Savings Report

Monthly Savings BIGGEST IMPACT

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Every month back in your pocket

Current

$0

New

$0

Rate Reduction

0%

Rate Drop Impact

Breakeven Timeline

0 months

Until refinance pays for itself

Total Interest Savings LIFETIME VALUE

$0

Total saved over life of loan

Payment Breakdown

Principal

$0

Interest

$0

Estimated Financed Costs

$0

Estimated financed costs

12-Month Forecast DETAILED

$0

Lower balance after 12 months

24-Month Forecast EXTENDED

$0

Lower balance after 24 months

Early Payoff Strategy ACCELERATED

Save Years

Pay off your loan faster

Todd Hanley

Refinancing Is More Than Just the Rate

Most borrowers focus on rate alone — but the real win is in the total picture: cash flow improvement, debt elimination, term reduction, and equity access. I look at all four levers to find the strategy that puts the most money back in your pocket.

— Todd Hanley, Senior Loan Officer | RICP, CMA

Estimates only. No SSN. No hard credit pull to view results.

✓ No obligation • ✓ No upfront costs • ✓ Know in minutes

🔎 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, which affects your payment and total interest.
Savings compare P&I + listed debt payments before vs. after consolidation and do not account for escrow or MI changes.
Multiple benefit analysis evaluates rate reduction, term change, cash-out, and debt consolidation scenarios simultaneously.
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.