Our Streamlined Refinance with Confidence Analysis will help you make the best informed financial decisions that are the right move for you, consider pros and cons, and provide a clear roadmap to help you achieve your financial goals.
Refinance
Leverage your home equity and use the appreciation value in your real estate for home improvements and remodeling, start a business, buy a second home, future investments, and more.
Use the equity in your home to consolidate your household debts to reduce your overall monthly payments and save on high interest costs from credit cards, helocs, and more by refinancing to a lower blended interest rate.
Compare the same pieces
A lower payment is useful only when you understand what changed. This illustration keeps the loan balance, remaining term and other payment components the same, then shows a $150 reduction in principal and interest.
$2,500 / month
$2,350 / month
Monthly reduction
$150Assumed upfront cost
$6,000Simple break-even
40 monthsThis is the same $6,000 ÷ $150 illustration used below. It assumes costs are paid upfront, not added to the loan. It is not a rate quote or a calculation of total lifetime savings. A different term, financed fees, changed mortgage insurance or other costs can change the result. We also compare the balance and interest over the time you expect to keep the loan.
Run your own refinance comparison, then request a refinance review.
Make the math useful
Illustrative upfront cost
$6,000
Costs paid to make the refinance happen.
Illustrative monthly reduction
$150
Use a consistent payment comparison.
Simple break-even
40 months
$6,000 ÷ $150. Would you keep the loan that long?
This simple example does not measure every cost. A longer loan term, financed fees, mortgage insurance or changed tax and insurance amounts can affect the result. We also compare the balance and total interest over your expected timeline.
Try the refinance calculator, then bring the assumptions to our team.
Quickly Explore Refinance Options, Home Equity Value, and Monthly Savings Potential
Quickly Estimate Monthly Mortgage Payments for Refinance and Compare Savings on a Refinance vs. Current Mortgage
As one of the largest mortgage brokers in the Nation Edge Home Finance has relationships and resources with multiple wholesale lenders across the country to serve every home buyer or home refinance need. The result is a streamlined happy homeowner experience!
Browsing real estate sites and navigating through legal documents mumbo jumbo which seems like a foreign language to many, plus dealing with lenders, insurance companies and homeowner associations (HOA), figuring out which debts are b each with different rules and procedures, can quickly become a overwhelming task for many homebuyers.
Need refinancing options on a home or other real estate? Choosing a refinance product that matches your goals and making sure you get the best rate for your given scenario can feel like playing whack-a-mole.
We’re here to make the home refinance process a whole lot easier, with tools and expertise that will help guide you along the way, starting with a FREE refinance analysis request.
We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether this is your first refinance or 7th.
Here’s how our home loan process works:
Compare home purchase, refinance, equity and specialty financing paths. Start with the guide that fits your goal, then review the borrower and property requirements.
Explore first-lien HELOC financing that pairs home debt with cash-flow account features, compare daily-balance interest, deposits, withdrawals and repayment discipline.
Compare rental purchase and refinancing options, including DSCR and short- or long-term rental considerations.
Plan construction draws, builder coordination and one-time-close or two-close financing.
Review acquisition, renovation funds, short-term repayment and your sale or refinance plan.
Check build timing, access, utilities and the differences between raw land and a prepared homesite.
Explore multifamily, standalone buildings and individual commercial sites with property-specific underwriting.
Questions worth asking
Compare the costs with the benefit you want: lower payments, a different term, cash access or a change in loan structure. Simple break-even is one check. We also look at remaining term, total interest, cash to close and how long you expect to keep the loan.
No. Extending the repayment term can lower the payment while increasing total interest. Financing closing costs also adds to the balance. We can compare the new loan with keeping your current mortgage on consistent assumptions.
If you like your first-mortgage rate, a separate home equity loan or HELOC may be worth comparing. A cash-out refinance replaces the first loan. Our team can compare blended borrowing costs, payment changes and the flexibility you need.
Yes. A refinance can focus on rate, term or another financing goal. Eligibility, mortgage insurance, appraisal requirements and costs depend on the selected program. Tell us what you want the refinance to accomplish.
Bring your current statement, interest rate, estimated balance, remaining term, home value estimate and goal. Share your starting details and our team can outline the documents needed for your situation.
*Information, scenarios, and calculations are for educational and illustrative purposes only, not a loan offer, a commitment to lend, a rate quote or an approval. Programs, costs and qualification requirements depend on the borrower, property, selected lender and current guidelines. Examples are not guaranteed results. Our team can review the details for your situation.
Whether you just prefer to speak with someone, or need more information to research your options, we are happy to guide you. No Pressure.
