Rate-and-term or cash-out — run a 60-second break-even check and see whether refinancing actually pays for itself.
Andy and Frank Hempel, Senior Loan Officer's
The Mortgage Refs
Phone: (586) 883-5994
Email: [email protected]
NMLS# 1905798
Company NMLS# 2273319
Licensed in: MI
Rate-and-term or cash-out — run a 60-second break-even check and see whether refinancing actually pays for itself.
Loan programs
Lower rate, shorter term, cash out, or less payment risk—name the outcome first. Then we calculate closing costs, break-even month, remaining-life interest, and the cost of doing nothing.
Rates moved. Should I refinance now?
Maybe. Send the balance, rate, payment, and how long you’ll keep the home.
I’ll reply with keep, refinance, and second-lien routes—plus the break-even month.
Delivered
Compare your current loan to a new one and see your monthly savings and break-even point.
A rate-and-term estimate. Actual savings depend on your loan program, term reset, and closing costs.
You're all set!
We'll send your numbers over and follow up personally.
We'll pull your exact numbers and show whether refinancing makes sense right now.
Illustrative example: a $6,000 closing cost and $250 verified monthly benefit breaks even in 24 months. The decision only works if the benefit survives your likely holding period.
Send the current statement and your likely holding period. We’ll return three routes with payment, costs, break-even, and total-interest impact.
Digital-first mortgage guidance for people who’d rather text than call. Clarity, speed, and zero pressure.
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Replies 9am–6pm Eastern Standard Time, seven days a week.
Equal Housing Opportunity. This is not a commitment to lend. All loans subject to credit approval, income verification and property appraisal. Rates shown are illustrative, not an offer, and change without notice.