Free refinance calculator

Is refinancing worth it for you?

See your new monthly payment, what it costs to close, and how many months until refinancing pays for itself. It takes about 30 seconds.

Your mortgage

$
%
%
yrs

Often 2% to 5% of the loan. Includes appraisal, title and lender fees.

$

Your result

You could save $0 /month
Current payment–
New payment–
Closing costs–
Net savings over 5 years–
Lifetime interest–
Savings minus closing costs, over 5 yearsBreak-even: –

Get your exact numbers

This calculator gives an estimate. A licensed Stellar loan officer can price your real rate and closing costs, check whether a streamline or cash-out option fits, and tell you if refinancing makes sense. No cost and no obligation.

  • Your actual rate and closing costs
  • Loan options across 19 licensed states
  • A straight answer, even if it's "wait"