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      2. Refinance Calculator
      Refinance Calculator
      Use our refinance calculator to see if you should refinance your mortgage. Enter the details of your current home loan, along with details of a new loan, to estimate your savings and see if refinancing can help you meet your financial goals.
      Refinancing could save you
      $128 /mo
      Costs1yr10yrs20yrs30yrs$ 0$ 500$ 1K$ 1.5K$ 2K$ 2.5K$ 3K$ 3.5K$ 4K$ 4.5K$ 5K$ 5.5K$ 6K$ 6.5K$ 7K$ 7.5K$ 8K$ 8.5K$ 9K
      Monthly Savings$128 /mo
      New Payment$936
      Break Even47 months
       Costs$6,000
       Lifetime Savings-$148,217
      Total Savings / Break Even
       Total Savings 
      $-100K$-50K100mo200mo300mo
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      Affordability Calculator
      How much house can you afford? Use our affordability calculator to estimate what you can comfortably spend on your new home.
      Mortgage Calculator
      What will your new home cost? Estimate your monthly mortgage payment with our easy-to-use mortgage calculator.
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      Your debt-to-income ratio helps determine if you would qualify for a mortgage. Use our DTI calculator to see if you're in the right range.
      Amortization Calculator
      Estimate how much will be paid each month for principal and interest over the life of the loan with our amortization calculator.
      Refinance Calculator Help
      "Should I refinance?" is a question many homeowners ask, especially when rates are low. Our mortgage refinance calculator can help you decide whether refinancing makes sense for your personal situation. Here's the info you need to enter into the refinance calculator, plus some helpful information about your results:
      • Loan Amount
        Enter the remaining balance of your current loan, and the balance of your new loan. The new loan balance can be lower or higher if you'd like to pay down the principal or take cash out.
      • Interest Rate
        "New interest rate" is pre-filled with today's average 30-year fixed rate. To get an interest rate customized for your situation, see today's refinance rates on Zillow.
      • Term
        Your term is the length of time you choose to pay off your loan (e.g., 30 years, 20 years, 15 years, etc.). Enter the term of your current loan, then choose a new term for your new loan.
      • Origination Year
        Enter the year you got your current loan. Our refinance calculator takes into account the year that you would have paid off your original loan to better calculate your savings over time.
      • Refinance Fees
        Like all home loans, a refinance loan requires closing costs to pay for things like the loan origination fee, title and appraisal. You can roll the fees into the new loan under "Advanced."
      • Cash Out
        If you have enough equity in your home, you may be able to take cash out during a refinance. You can enter the amount you want to take out under "Cash out" in the Advanced settings.
      • Full Report
        Click "Full Report" in your results to see a full savings summary, mortgage payment breakdowns, total payments, and a full mortgage payment amortization calculation.
      • Break Even
        The break-even point shows how long it'll take for the savings to outweigh the cost. If you plan to sell your home before this time, it likely doesn't make sense to refinance.
      • Lifetime Savings
        The lifetime savings in your results represents the estimated amount of money you'll save on interest over the life of your loan by refinancing to the new interest rate and the new term.
      Reasons to Refinance a Mortgage
      Trying to decide if you should refinance? Here's a look at some of the most common reasons why you might consider refinancing your mortgage.
      Get a Lower Interest Rate
      Getting a lower interest rate is by far the most popular reason to refinance a mortgage. If rates are lower than when you got your original loan, refinancing can reduce your monthly mortgage payments. It can also help you save thousands of dollars in interest over the life of your loan.
      Switch Your Mortgage Type
      When you refinance, you can select a different loan type than the one you currently have in order to reap the benefits of that loan type. For example, if you have an adjustable-rate mortgage (ARM) and the rate is about to increase, you can change to a more stable fixed-rate mortgage. Or if you have an FHA loan and you want to stop paying mortgage insurance, you may be able refinance to a conventional loan without mortgage insurance.
      Fund Home Improvements
      If you have enough equity in your home, you may be able to do a cash-out refinance. With cash-out refinancing, you refinance your current home loan for more than the amount you currently owe, and keep the extra money to spend on things like a kitchen remodel, new siding, or other home projects you've been dreaming about.
      Pay Off Your Loan Faster
      In most cases, shortening your loan term will allow you to pay off your principal faster. A shorter term often means you'll have a higher monthly payment, but you'll likely pay less interest over the life of your loan because you are making fewer payments, and because shorter loan term loans (i.e. 15-year fixed) typically have lower interest rates than those with longer term (i.e. 30 year fixed).
      Popular Refinance Topics
      Read more on the Mortgage Learning Center
      Should You Refinance?
      Learn how to find the best refinance rate and discover the questions you should ask before you refinance.
      Bad Credit Refinancing
      If you want to refinance your mortgage but have bad or poor credit, this guide can help you explore your options.
      HELOC or Cash-Out Refi?
      Want to tap into your home equity? Find out if a HELOC, home equity loan or cash-out refinance is best for you.
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            New Term
            Your new term is the number of months set for you to pay off your new loan, which replaces your existing mortgage during refinancing. The new term may or may not be the same as your current term. To convert your new term from years to months, multiply the number of years by 12. For instance, a 30 year mortgage term is equal to 360 months.