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Refinance Break-Even
Compares your current principal & interest payment with a refinanced payment, then divides the closing costs by the monthly savings to find the break-even point — with an honest lifetime-cost comparison alongside.
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Refinance Break-Even
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Agents and title companies co-brand the Refinance Break-Even on their own sites. Visitors who run it can be identified through ProspectMatch and added to your prospects — no form fill required.
The method
How it works
01
Both payments use standard amortization on your current balance.
02
Break-even months = closing costs ÷ monthly savings.
03
The lifetime figure compares total remaining payments now vs. total new payments plus closing costs — a longer term can save monthly and still cost more overall.
Monthly P&I = L·r/(1−(1+r)^−n) (public-domain amortization).
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Free, about two minutes, no credit pull — and the report is yours to keep.
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