Refinance guides

• Refinance break-even: the true-cost method

  Why closing costs ÷ monthly savings can mislead you, and what to count instead.

• Should you roll debt into your mortgage?

  A lower rate over a longer time can cost you more. Here is how to check.

• How to read a Loan Estimate for a refinance

  Sections A to J, explained, and which ones RefiROI counts.

• Does a refinance reset your 30-year clock?

  A lower payment today can mean more interest over the life of the loan.

• Points or lender credits: which one pays off?

  How long you keep the loan decides which option wins.