Revisit Your Rate or Term
Let’s compare your current loan with potential alternatives, including closing costs and the time you expect to keep your home.
Review Your
Refinance Options.
Tell me what you’d like to change about your mortgage. I’ll help you compare your current loan with any proposed option, including the costs of making a change.
Compare My Refinance Options
Apply Securely with Mark
Or Call Mark · 404.518.7977Continue through Funding Solutions to LendingPad to start or return to your mortgage application.
Your Current Loan
A Proposed Loan
Compare the same details for each.
- Monthly Payment
- Remaining or New Loan Term
- Closing Costs and Total Interest
- Your Plans for the Home
A lower payment alone doesn’t tell the whole story.
Compare Payments & Costs
Compare two fixed-rate loans and see how long monthly payment savings could take to cover upfront costs.
Monthly Principal & Interest
Current$2,827
Proposed$2,398
- Monthly Difference
- $429 Lower
- Simple Break-Even
- 14 Months
- Remaining Interest — Current
- $448,135
- Total Interest — Proposed
- $463,353
Lower payments can come from extending the term and may increase total interest. Compare both the monthly difference and the cost over time.
Ask About These NumbersWhat Do These Mortgage Terms Mean?
Illustrative estimates only; rates are example inputs, not current offers or APRs. Assumes a fully amortizing, fixed-rate loan with monthly payments. Same principal balance, no cash-out, costs paid upfront, and unchanged taxes, insurance, and mortgage insurance. Simple break-even ignores time value of money, differences in equity, and future rate changes. Savings comparisons apply only while both loans would still be outstanding. Results are rounded for display. Eligibility and actual terms require lender review. Learn More at the CFPB.
What Would You Like Your Mortgage to Do Differently?
Tell me what you want to change. We’ll look at the costs and tradeoffs before deciding whether a new loan makes sense.
Explore Cash-Out Refinancing
Thinking about improvements or another major expense? Ask about using home equity and how a new mortgage would affect your balance and payments.
Talk Through Debt Consolidation
Let’s discuss the full picture, including total repayment costs and what it means to secure other debt against your home.
Program availability, eligibility, documentation, and terms are subject to individual review and applicable licensing. Ask me about current options for your situation.
Reviewing a Refinance
Define the Goal
Explain what you want to understand about your current financing and what prompted you to consider a change.
Ask for a Complete Comparison
Discuss the proposed loan term, payment, closing costs, and total costs alongside your current loan. A lower payment alone does not tell the whole story.
Review the Details
Ask me to explain any differences in the Loan Estimate. Consider the costs and your plans for the home before making a decision.
Common Questions
Visit the Learning GuideIs a Lower Monthly Payment Always a Saving?
Not necessarily. Extending the repayment term may reduce the payment but increase total interest. Compare closing costs, remaining term and the time you expect to keep the loan.
What Does Break-Even Mean?
A simple payment break-even divides upfront costs by monthly payment savings. It is a useful starting point, but does not account for changes in equity, future rates or the time value of money.
Is Cash-Out Refinancing Free Money?
No. It is additional borrowing secured by your home. The new balance, fees and repayment period affect the total cost.
What Would You Like Your Financing to Do Differently?
Call me or send me a note. We’ll start with what matters to you.