Loficoder Loficoder

Refinance decision studio

See when a lower rate actually pays back.

Run your current loan against two refinance offers, mark how long you expect to keep the home, and keep the answers honest about closing costs, payment change, and the balance still sitting there later.

Offer board

Stress both refinance paths

Current Offer A Offer B

Break-even window

Watch the cash-flow crossover

Closing costs versus monthly payment change.