Refinance Payment Comparison | The AI Mortgage Pro™

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Current Loan

Current loan balance ($)

Current interest rate (%)

Remaining term (months)

Tip: 30yr = 360, 27yr = 324, 25yr = 300, 15yr = 180

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New Loan (Proposed)

New interest rate (%)

New loan term

Estimated closing costs / fees ($)

Roll closing costs into new loan balance

Include cash-out amount

Add taxes & insurance to payment

Your Comparison Results

Current Payment (P&I)

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Estimated principal & interest

New Payment (P&I)

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Proposed loan payment

Monthly Difference

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per month change

Break-Even Point

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months to recover closing costs

New Loan Balance

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with closing costs

Lifetime Savings (Est.)

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total interest difference

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Get Your Exact Quote

This estimate is a great starting point, but your real rate depends on credit score, LTV, loan type, and more. Submit your info and I'll reach out with a personalized quote — fast.

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By submitting you agree to be contacted about your refinance inquiry. This is a soft estimate — not a commitment to lend. Rates, APR, MI/MIP, and final costs depend on credit, LTV, property type, and market conditions. Robert Sumlin · NMLS #1530065 · Equity Smart Home Loans · NMLS #1530065 · Equal Housing Opportunity Lender.