Math before the meeting.
No credit pull required.
Two calculators. One tells you what a purchase looks like month to month. The other tells you how long a refinance takes to pay for itself. Both are estimates, and both are a good place to start before you talk to a pro.
Put in a price, a down payment and a rate. You get the full monthly payment, principal and interest plus taxes, insurance and mortgage insurance if it applies.
Put in your current loan, the new rate and what the refinance costs. You get the monthly savings and the month the savings pass the cost.
Three things people get wrong on their first pass.
Taxes, insurance, and HOA dues ride along every month. Two houses at the same price can be a few hundred dollars apart because of them.
Your real rate depends on credit, down payment, property type and the day you lock. Use a number to sketch the shape, not to plan a budget.
A refinance that pays for itself in 31 months does nothing for you if you sell in year two. Check the date against your actual plans.
Results are for planning only and do not constitute a loan offer, a rate lock, or a commitment to lend. Actual payments, rates, closing costs and eligibility depend on a full application, credit review and property details. Taxes, insurance and HOA figures are estimates unless you enter real ones. Talk to a licensed pro before you make a decision on these numbers.
Tell us what you need and we'll be in touch, usually within the hour.
Dwell Mortgage, LLC. Company NMLS #2426506. Licensed in WA (CL-2426506), OR (2426506), CA (60DBO-176964), CO (CL-2426506), UT (13178963), FL (MBR6421), ID (MBL-2082426506), TX (CL-2426506), AZ (MB-2001452). Headquarters: 2817 Wetmore Ave, Everett, WA 98201.
For informational purposes only. This is not a commitment to lend or extend credit. All loans are subject to credit approval. Equal Housing Opportunity. nmlsconsumeraccess.org
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