Answers

Refinance questions, answered with math.

No fluff. Every number shown. Updated as the market moves.

The worked example: what 6.25%, 6.0%, and 5.75% are worth on a $400k loan, and when waiting is smarter.

The one number that decides every refinance — how to compute it and what counts as good.

Line-by-line: what's negotiable, what isn't, and how "no-cost" refis really work.

Soft pulls vs. hard pulls, the 14–45 day shopping window, and the real cost of comparison sites.

The 30-yr fixed charted over two years from Freddie Mac's weekly survey — and what this week's number is worth in dollars.

Four sliders → your breakeven in months. Free, no signup, no credit pull.

Or skip the homework entirely

Assign a free agent to your loan. It checks the market daily and alerts you once — when refinancing genuinely pays.