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Effective URL: https://www.lendingtree.com/home/mortgage/calculators/mortgage-refinance-calculator/?bsft_aaid=69be3185-13c5-450a-9e31-ad745...
Submission: On June 02 via api from BE — Scanned from DE
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This website is AudioEye enabled and is being optimized for accessibility. Additionally, free web personalization tools have been provided via the AudioEye Toolbar, which may be enabled from the Accessibility Statement link found on this page. ADVERTISING DISCLOSURES Disclosure 1undefined LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace. What portion of LendingTree’s services in connection with my loan request is free? There is no cost to submit a loan request, get matched with lenders and receive conditional loan offers or quotes. You may review the conditional loan offers or quotes and talk to the lenders at no cost. Of course, the lender you choose may require a fee to process your formal loan application, appraisal, and/or credit report, but until you agree to pay the lender any fee(s), you may shop with LendingTree at no cost. How does LendingTree get paid? LendingTree does not charge you, the consumer, a fee for its services. Who pays our bills? The lender. Of course, you will be responsible for paying any loan processing, closing costs or other fees to the lender with whom you close. Disclosure 95undefined Calculators are made available as tools for your use in researching and comparing products. LendingTree does not guarantee the accuracy of the results and you should seek individualized advice from qualified professional(s) who can assist you in regard to your personal financial circumstances. All tools and calculators are deemed examples and are for illustrative purposes only. Your final payment, interest rate, loan, amount and/or fees are unknown and all calculations are estimates only. When calculators are placed in LendingTree Widgets there are times when certain assumptions will be utilized, including, but not limited to the following: Home Affordability Calculator Assumptions Estimated annual property tax is 1.14%. Estimated annual homeowner's insurance is $800. Annual homeowner's association (HOA) dues are $0. Loan term is 30 years. This includes private mortgage insurance (PMI). These are examples only are not guaranteed amounts for any one location. Amounts are national averages from 2013 obtained from several sources. Estimated taxes and insurance amounts will adjust using the above assumptions when a new purchase/refinance/home estimated value is placed into the field and is not a guarantee of what actual amounts may be for any particular product or property. Rent or Buy Calculator Assumptions Rental amount includes one year of rent (you place into the calculator) and rental insurance (based on the national average for 2013). Loan term is 30 years. Property tax assumption is 1% of the home value. Annual homeowner's association (HOA) dues being set at $100. Maintenance of owning a home is assumed at 2% of home value. Personal tax rate of 33% is factored into the calculation(s). Calculator assumes home appreciation of 4% and a rent increase of 4% annually. The cost of selling a home is 8% of the sales price based on national average of repairs, staging, and Real Estate Agent commissions. The rate of return on investments after tax is assumed at 5% pursuant to 2013 statistics. Mortgage Checkup Calculator Mortgage Checkup and calculators are made available as tools for your use in researching and shopping for mortgage products and are not intended to be investment advice of any kind. LendingTree, LLC does not guarantee the accuracy of the results and you should seek individualized advice from qualified professional(s) who can assist you in regard to your personal circumstances. All tools and calculators are deemed examples and are for illustrative purposes only. Reverse Mortgage Calculator The calculator is for illustrative purposes only and uses an estimated rate, term, origination fee, mortgage insurance pre-payment, etc. from information gathered from the LendingTree Network. The calculator and a Reverse Mortgage Loan are not intended to be investment advice, or a recommendation by LendingTree as it cannot guarantee the accuracy of the results. Private mortgage insurance may be required and estimates of the same are used in the calculation, but the calculator does not include taxes and insurance, which are required to be paid during the duration of a Reverse Mortgage Loan. Rates vary by lender, by state, and on consumers LTV and personal financial situation. Terms and Conditions Apply and vary per lender, so ask each lender what costs, fees and terms are available for your personal financial situation. The Reverse Mortgage calculator is an estimate only and not an offer of credit by any one Lender. Reverse Mortgage requires that one of the homeowners be at least 62 years of age; have a substantial amount of equity in your primary residence and you intend to remain in the home for the duration of the loan. Taxes and interest still have to be paid even while your mortgage payments may stop. Speak with a qualified Reverse Mortgage Counselor to discuss all of your options. Mortgage rate quotes displayed on LendingTree LoanExplorerSM, including loan pricing data, rates and fees, are provided by third party data providers including, but not limited to, Mortech®, a registered trademark of Zillow®, LoanXEngine, a product of Mortgage Builder Software, Inc., and LoanTek, Inc. undefined LendingTree Advertisement Disclosure (last updated December 17, 2021): LENDINGTREE, LLC IS A MARKETING LEAD GENERATOR AND IS A DULY LICENSED MORTGAGE BROKER, AS REQUIRED BY LAW, WITH ITS MAIN OFFICE LOCATED AT 1415 VANTAGE PARK DRIVE, SUITE 700, CHARLOTTE, NC 28203, TELEPHONE NUMBER 1-800-555-8733. For a current list of applicable state licensing and disclosures, click Licenses and Disclosures or call for details. LendingTree, LLC NMLS Unique Identifier #1136; AL Mortgage Brokers License #8694; AK Mortgage Broker/Lender License #AK1136; AZ Mortgage Broker License #0902469; AR Mortgage Broker License #24441; CA Department of Financial Protection & Innovation, CA Financing Law License #6037234; CO Mortgage Company Registration Regulated by the Division of Real Estate; CT Mortgage Broker License #4164 – MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER; DE Broker License #010996; DC Mortgage Broker License #MLB1136; FL Mortgage Broker License #MBR1298; GA Mortgage Broker/Processor License/Registration #12989; HI Mortgage Loan Originator Company License #HI-1136; ID Mortgage Broker/Lender License #MBL-893; IL Residential Mortgage Licensee #MB.0005433; IN-SOS Loan Broker License #1136; IA Mortgage Broker License #741; KS Mortgage Company License #MC.0002279; KY Mortgage Broker License #MB17994; LA Residential Mortgage Lending License #189; ME Loan Broker License #1136; MD Mortgage Lender License #4737; MA Mortgage Broker License #MB1136 – LendingTree arranges but does not make loans; MI 1st Mortgage Broker License #FL0016258, 2nd Mortgage Broker Registrant #SR0016259; MN Residential Mortgage Originator License #MN-MO-40127258; MS Mortgage Broker License #1136; MO Mortgage Company License #21-1261, 727 N. First Street, Suite 310, Saint Louis, Missouri 63102; MT Mortgage Broker License #1097; NE Mortgage Banker License #1517; NV Mortgage Company License #1698, NV Bus. ID NV20051235630, Las Vegas Bus. License # P50-02291;NH Mortgage Broker License #14208-MBR; NJ Residential Mortgage Broker License #0801779 – LendingTree does not make mortgage loans or commitments or fund any mortgage loans; NM Mortgage Loan Company License #00395; NY – LT Technologies in lieu of true name LendingTree, LLC, Registered Mortgage Broker – NYS Department of Financial Services License #RMB 203926 – LendingTree arranges mortgage loans with third-party providers; NC Mortgage Broker License #B-113401; ND Money Broker License #MB100817; OH Residential Mortgage Lending Act Certificate of Registration #RM.802159.000, 37812 2nd Street, Willoughby, OH 44094; OK Mortgage Broker License #MB002490; OR Mortgage Lending License #ML-1862; PA Mortgage Broker License #20298; RI Loan Broker License #20062113LB; SC Mortgage Broker License #MB-0504600, SC Branch Location NMLS ID #234375; SD Mortgage Brokerage License #MB.00027; TN Mortgage License #109266; TX SML Mortgage Company License, NMLS ID #1136, Mr. Shan Guo Residential Mortgage Loan Originator #300978, 11500 State Highway 121, Ste. 410, Frisco, TX 75035; UT DRE Mortgage Entity License #5489470-NMLC; VT Mortgage Broker License #0055 MB; VA Mortgage Broker License #MC-1052; WA Mortgage Broker License #MB-1136; WV Mortgage Broker License #MB-20020; WI Mortgage Broker License #2630BR; WY Mortgage Broker License #838. Advertised Terms and Information * The information and disclosures above relate to advertised terms made by or through LendingTree. * Interest rates and terms are from a lender or lenders with whom LendingTree may match you and that offer the particular product. The disclosures are current as of the date indicated. * LendingTree is not a lender in any transaction and does not make loans, loan commitments or lock-rates. All credit decisions, including loan approval and the conditional rates and terms you are offered, are the responsibility of the participating lenders and will vary based upon your loan request, your particular financial situation, and criteria determined by the lenders to whom you are matched. Not all consumers will qualify for the advertised rates and terms. APR may be in lieu of rebates or incentives. Dealer participation may affect consumer cost. * You may not be matched with a lender making a particular conditional loan offer, and LendingTree does not guarantee that any lender will make you a conditional loan offer. LendingTree arranges for multiple conditional loan offers through its network of nonaffiliated lenders. See the Terms of Use Agreement for more details. The Terms of Use Agreement governs these advertised Terms and Information. * FICO score means the FICO credit score report that a lender receives from a consumer reporting agency. Skip to main content You are using an outdated browser. Please upgrade your browser to improve your experience. MENU * Loans * Personal Loans * Debt Consolidation * Business Loans * Student Loans * Student Loan Refinance * Mortgages * Mortgage Rates * Refinance Rates * Cash Out Refinance * Credit Cards * Best Balance Transfer Credit Cards * Best Rewards Credit Cards * Best Cash Back Credit Cards * Auto * Auto Loans * Auto Refinance * Financial Help * Debt Relief * Credit Repair * Insurance * Get your free credit score in minutes! * Login Sign Up for Free * Call Us 1-800-813-4620 Loans * Personal Loans * Debt Consolidation * Business Loans * Student Loans * Student Loan Refinance Mortgages * Mortgage Rates * Refinance Rates * Cash Out Refinance Credit Cards * Best Balance Transfer Credit Cards * Best Rewards Credit Cards * Best Cash Back Credit Cards Auto * Auto Loans * Auto Refinance Financial Help * Debt Relief * Credit Repair * Insurance Sign up for Free Log in 1-800-813-4620 - Phone Number Please enter a minimum of three characters. Search * * * * Please enter a minimum of three characters. Search * Loans * Personal Loans * Debt Consolidation * Business Loans * Student Loans * Student Loan Refinance * Mortgages * Mortgage Rates * Refinance Rates * Cash Out Refinance * Credit Cards * Best Balance Transfer Credit Cards * Best Rewards Credit Cards * Best Cash Back Credit Cards * Auto * Auto Loans * Auto Refinance * Financial Help * Debt Relief * Credit Repair * Insurance * Get your free credit score in minutes! * Login Sign Up for Free * Call Us 1-800-813-4620 MORTGAGE REFINANCE CALCULATOR: SHOULD I REFINANCE MY HOUSE? Our mortgage refinance calculator helps you decide if it makes sense to refinance based on how long it takes you to recoup your refinance closing costs. Compare your best mortgage refinance rates with your current mortgage to see how much you could save. Your Current Mortgage * Original Amount: $ * Loan Start Date: * Loan Term: 15 Years 30 Years * Interest Rate: % Your New Mortgage * Loan Term: 15 Years 30 Years * Interest Rate: % * Lender & Title Fees: % * Length of Ownership: Years Reset Calculator * Monthly cost analysis * Lifetime cost analysis REFINANCING MAKES SENSE * LIFETIME SAVINGS $50,605 See Refinance Offers Disclosures * YOU'LL BREAK EVEN BEFORE YOU PLAN ON MOVING 24 months Break Even Point 5 Years * Monthly Payment $1,653 vs $1,886 Increased your payment by $233 * Interest Rate 5.000% vs 4.300% Lowers your interest rate * Payoff Time 20 years vs 15 years Lower your payoff time * Total Loan Cost $395,165 vs $344,560 Save $50,605 in lifetime costs Terms & Conditions Apply, NMLS#1136 HOW TO USE THE REFINANCE CALCULATOR To get your best results from our mortgage refinance calculator, you’ll need to input information about your current loan, as well as the rates and terms on a potential new loan. To complete the “Your Current Mortgage” section of the calculator, look for your original loan amount, loan start date, loan term and interest rate on the promissory note you signed with your closing papers. To complete the “Your New Mortgage” section, input the term and rate you plan to refinance to, as well as an estimated percentage for lender and title fees. Finally, input how many years you plan to stay in your home. The mortgage refinance calculator will display both a monthly and lifetime cost analysis based on your current and potential new mortgage. The monthly analysis indicates how much you will potentially save or spend on your new monthly mortgage payment. The lifetime analysis indicates how much money you will save in interest over the life of the new loan. MORTGAGE REFINANCE FAQS WHAT IS A MORTGAGE REFINANCE AND HOW DOES IT WORK? When you refinance your mortgage, you are paying off your current loan with a new one that offers better rates and terms for your situation. Typically, the goal of a mortgage refinance is to save you money, either in total interest payments or by reducing your monthly costs. Our home loan refinance calculator at the top of the page can help you estimate those costs. WHEN SHOULD YOU REFINANCE YOUR MORTGAGE? A mortgage refinance can mean big savings, but it may come at a price in the short term. The decision to refinance comes down to whether you’ll be in your home long enough for your monthly savings to outweigh the upfront refinancing costs. If you can save money every month and recoup the costs within the time you plan to stay in your home, a mortgage refinance makes sense. If you are reducing the term of your loan from a 30-year fixed mortgage to a 15-year fixed mortgage, you should refinance only if you can afford the higher payment that comes with a shorter term. Use our mortgage refinance calculator to estimate your new monthly payments to see what you can afford. HOW DOES HOW LONG YOU STAY IN THE HOME AFFECT YOUR REFINANCE DECISION? One of the most important calculations to make when you are considering a refinance is called a breakeven, which divides your closing costs by how much you’re saving every month. This tells you how many months it will take before you’ll recoup the cost of refinancing your mortgage. For example, if you plan to live in a home for 60 more months, but your breakeven results show it will take 70 months for you to recover the costs, the refinance doesn’t make sense. Our mortgage refinance calculator above can help you determine the amount of time you’ll need to stay in your home after refinancing to break even and cover your costs. HOW DO YOU FIND YOUR BEST MORTGAGE REFINANCE RATES? An online rate comparison tool provides you with the fastest feedback on available rates. By just answering a few questions online, lenders will compete for your business with their best refinance offers. If you don’t use an online rate comparison site, contact at least three to five lenders and email or call them for information. Make sure you collect all of the information on the same day — rates and fees change daily. Feel free to use our mortgage refinance calculator as a resource to compare your best offers. WHAT DO YOU NEED TO REFINANCE YOUR MORTGAGE? The refinance process is similar to the steps you followed to get your current mortgage. That typically includes providing income documents, verifying your credit and obtaining a new appraisal on your home. There are some streamline refinance options, such as the FHA streamline or the VA interest rate reduction refinance loan (IRRRL), that allow you to refinance without verifying income, credit or even your home’s value. WHAT ARE THE DIFFERENT TYPES OF MORTGAGE REFINANCES? The most common types of refinances are offered by conventional, FHA-approved and VA-approved mortgage lenders. We’ve highlighted them below: * Conventional refinance. With good credit and a stable income, a conventional refinance can be a good money saving refinance option. If you’re just refinancing to lower your payment, your home may be eligible for a property inspection waiver (PIW), saving you the $300 to $400 typically needed for a home appraisal. * FHA refinance. Homeowners with scores below 620 may benefit from the easier qualifying guidelines offered by FHA-approved lenders. If you already have an FHA mortgage, you may be eligible for an FHA streamline refinance, which doesn’t require income verification or a home appraisal. * VA refinance. Veterans and active duty members of the military can take advantage of home loan benefits that include liberal minimum credit score and mortgage refinance requirements. Homeowners with a current VA loan may be eligible for the interest rate reduction refinance loan (IRRRL) program to lower their payment with very little documentation and no appraisal. FOOTER NAVIGATION ABOUT US * About LendingTree * Blog * Careers * Contact Us * Investors * Partner with Us * Press Room * Widgets LEGAL INFORMATION * Overview * Privacy * Online Tracking * Security * Advertising Disclosures * Terms of Use * Licenses & Disclosures * Unsubscribe * Vulnerability Disclosure Policy * Accessibility Statement OTHER SITES * CompareCards * DepositAccounts * MagnifyMoney * Ovation Credit * QuoteWizard * SimpleTuition * SnapCap * Student Loan Hero * ValuePenguin FOLLOW US * * * * DOWNLOAD OUR APP * * LendingTree, LLC is a Marketing Lead Generator and is a Duly Licensed Mortgage Broker, as required by law, with its main office located at 1415 Vantage Park Drive, Suite 700, Charlotte, NC 28203, Telephone Number 866-501-2397 (TDD/TTY). NMLS Unique Identifier #1136. LendingTree, LLC is known as LT Technologies in lieu of true name LendingTree, LLC in NY. LendingTree technology and processes are patented under U.S. Patent Nos. 6,385,594 and 6,611,816 and licensed under U.S. Patent Nos. 5,995,947 and 5,758,328. © 2016 LendingTree, LLC. All Rights Reserved. This site is directed at, and made available to, persons in the continental U.S., Alaska and Hawaii only. Online Security: Protect Against Fraud × ADVERTISING DISCLOSURES Opens in new window PDF Download Word Download Excel Download PowerPoint Download Document Download close carousel Feedback