Mortgage Refinance Breakdown: When It Makes Sense — and When It Doesn’t!

Mortgage Refinance Breakdown:

LIVE: Does Refinancing Your Mortgage Make It More Affordable — and Does It Make Sense?

Join Dan Frio from The Rate Update for today’s live event — or catch the replay anytime using the same link below.

Does Refinancing Your Mortgage Make It More Affordable — LIVE with Dan Frio

▶️ Watch Live or Replay on YouTube

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We’ll cover: when refinancing actually saves money, how to calculate your break‑even point, credit/equity/income requirements, and a live Q&A — plus RateWatch 2.0 to track your ideal refinance rate.

1️⃣🧮Step 1 — Does It Make Sense?

Use the Refinance Calculator to compare rates & balances.
Savings & Break‑Even: See monthly savings and how long until you recoup costs.

2️⃣📈Step 2 — Check Your Credit

Get scores at CreditScoresAndMore.com.
Pro Tip: Lower utilization & fix errors to improve pricing.

3️⃣🏡Step 3 — Know Your Loan‑to‑Value

Check value on Zillow or Redfin.
Target ≤ 80% LTV for best terms (FHA/VA may allow higher).

4️⃣🧾Step 4 — Review Debt & Budget

DTI = Monthly Debts ÷ Income (aim ≤ 45%).
Confirm the new payment fits your cash‑flow & goals.

5️⃣✅Step 5 — Choose the Right Program

Use the Mortgage Eligibility Calculator.
Compare: Conventional • FHA • VA • Cash‑Out options.

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Ready to Take the Next Step?

📅 Schedule a Consultation 📝 Apply Now (Purchase or Refinance)🔔 Join RateWatch 2.0

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* Specific loan program availability and requirements may vary. Please get in touch with your mortgage advisor for more information.