Refinance Calculator: 4 Strategies

NetRate Mortgage

Refinance Calculator

Conventional · 30-yr fixed

Enter your loan facts, hit Calculate, and compare all four ways to refinance side by side — priced live for your scenario.

Inputs changed

Your current loan

Sample loan shown. Enter your own balance, rate, and payment, then click Calculate.

Principal balanceFrom your latest statement

Current rate

Current paymentP&I only (exclude escrow)

Property value

Credit score780

580850

State

Est. payoff$402,466

Escrow & insurance

Escrow for taxes/insurance?Most loans require escrow

Current escrow balanceRefunded when your old loan closes

Annual insuranceHomeowner's premium

Your savings

Current payment$2,661

New payment—

Breakeven—

Four ways to refinancePick one to see the full detail →

Want cash out too? That's a different decision — compare keeping your rate + a 2nd lien vs. a cash-out refi →

See today's rates →Talk to a loan officer

Estimate only for educational purposes. Actual closing costs, lender credits, rates, escrow requirements, and insurance timing vary by lender, loan program, and market conditions. NetRate Mortgage is a licensed mortgage broker — we shop lender pricing on your behalf. Licensed in CA, CO, OR, and TX. NMLS #1111861.

Select a strategy to see the full cash-flow detail.