Refinance Calculator

Refinance Calculator

Should I Refinance?
Use our refinance calculator to help determine if refinancing is the right option for you. You can estimate the amount of money refinancing could save you by comparing the details of your current home loan with new rates, terms and other factors.


The results of the mortgage calculator are estimates only and are subject to change depending on applicant’s credit profile and loan product criteria. The mortgage calculation is based on the purchase/refinance of an owner-occupied single family residence located in zip code entered above. The current value of the property and loan amount are based on inputs received.

The displayed interest rate and monthly mortgage payment amount are subject to change without notice and are computed based on current market rates and inputs provided. Taxes, insurance and other home related charges, such as a home association dues, are not included in the payment amount, and they may increase the payment amount or have to be paid outside the mortgage payment. Mortgage loans are subject to credit approval, and this is NOT a commitment to lend. For illustrative purposes, a loan balance of $200,000.00 has an annual percentage rate (APR) for a 30 year fixed mortgage estimated at 5.105% and for a 15 year fixed rate mortgage estimated at 4.930%. The APR is subject to change. The APR calculation is based on closing costs estimate of $2,400.00, and calculated based on the subject property being located in the State of California. Please note that the APR will differ based on property location, loan amount and costs of closing. The above calculation assumes the mortgage loan is a first lien, and the FICO score of the applicant is 720 or above.

Depending on loan product, mortgage insurance may be required. If required, mortgage insurance may increase the APR and monthly mortgage payment.