Smart Refinance Calculator

See your real monthly savings in 30 seconds

Sample Refinance Rate
See Below
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. The smart analysis considers break-even timeline, monthly savings, and total cost comparison.
Your Quick Savings Preview
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Monthly Savings
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Break-Even
High-confidence savings — worth booking a 10-minute call to lock this in
This only pays off if you'll stay >3 years. Consider lower costs or shorter term.

Get Your Complete Refinance Analysis

Detailed break-even timeline + accelerated payoff strategies

Target: 5.00%
🏦 NMLS #1013665
📍 FL, TX, NJ Licensed
🔒 Never sell your data
📊 92% close rate
"We only recommend moving forward when the financial path is clearly beneficial to you."

Your Complete Refinance Analysis

Detailed breakdown of your refinancing scenario

💰 Monthly Payment

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📅 Break-Even Analysis

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🏦 Lifetime Interest

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🚀 Payoff Acceleration

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💡 Investment Opportunity

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📈 12-Month Outlook

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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.
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Todd Hanley

A Smart Refinance Saves You More Than Just the Rate Difference

I look at the total cost of the loan — not just the monthly payment. Closing costs, loan term, break-even point, and your long-term goals all factor in. If it doesn't save you real money, I'll tell you to stay put.

— Todd Hanley, Senior Loan Officer | RICP, CMA

Get Your Refi Rate

Your exact rate based on your scenario.

Talk to Todd Now

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(561) 337-4721 · Real advice, no pressure.

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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 estimated and may be financed into the new loan balance, which affects your payment and total interest.
  • Smart analysis evaluates break-even timeline, monthly savings, and total interest cost to give you a clear recommendation.
  • Rates entered are user-provided examples — your actual rate depends on credit, LTV, property type, occupancy, and investor.
  • Extending your loan term may lower monthly payment but increase total interest paid over the life of the loan.

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.

Schedule Your Strategy Call

15-minute Refinance Benefits Analysis

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January 2026

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Selected: January 15, 2026

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January 15, 2026 at 10:00 AM
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