Your current loan
Balance, rate, remaining term, insurance and any second lien.
Refinance Calculator
Quickly Estimate Monthly Mortgage Payments for Refinance and Compare Savings on a Refinance vs. Current Mortgage
Find Out If A Refinance is the Right Move Now...
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
ANNUAL MORTGAGE REVIEW
Is Your Mortgage Still Doing Its Job?
Your next move starts with a check-in.
You do not need to refinance to have a useful mortgage conversation. Sometimes the best result of a review is a clearer reason to keep the loan you have.
Prefer to talk through your questions first? Call 303-931-6798 or contact our team. The button below opens our secure loan inquiry. If we need your mortgage statement, we will provide a secure document channel.
Start with the loan you have. An annual review connects your current mortgage with your goals. Consider a new loan only when the full comparison supports it.
Start here
A mortgage review compares the current loan with your goals and practical alternatives. Bring the payment, balance, remaining term, mortgage insurance and upcoming plans. A new loan should earn its place in the comparison.
Keep. Adjust. Compare.
Keep it
When the current loan still fits
Review options
When cash flow or goals change
Act with context
Only after comparing full costs
A short agenda with real questions.
Your next few years
Moving, renovating, retirement or a change in income.
The alternatives
Keep the loan, review PMI, consider additional payments or compare new financing.
Bring your statement. Build a clear plan.
Cederholm Mortgage Advisors can organize the costs, payment, remaining balance and repayment timeline around your goals. We’ll also identify any questions that need input from your servicer or tax adviser.
Bring your current statement and questions. We’ll review the loan you have and explain whether keeping it, adjusting your repayment plan or exploring new financing may fit your next step.
Questions worth asking
Does a mortgage review mean I should refinance?
No. Keeping the current loan is one of the options to evaluate.
Can a review remove PMI?
We can help identify your mortgage insurance type and the questions to ask. Conventional private mortgage insurance (PMI) and FHA mortgage insurance follow different rules. Your servicer determines cancellation eligibility under the rules that apply to your loan and may require supporting documentation. An annual review does not itself remove mortgage insurance.
What should I bring?
A current statement, insurance or escrow questions, details of other liens and your goals for the next few years.
Sources and information
Information is educational and is not a loan offer, rate quote, approval or commitment to lend. Programs, costs and qualification requirements depend on the borrower, property, selected lender and current guidelines. Hypothetical examples are not client testimonials or guaranteed results.
Let’s make your next step clearer.
You do not need to refinance to have a useful mortgage conversation. Sometimes the best result of a review is a clearer reason to keep the loan you have.
Give your annual mortgage review a clear starting point
A review can support keeping the current loan. Use the same facts when comparing it with any proposed change.
| What to record | Your notes |
|---|---|
| Current mortgage | Balance, rate, payment components, remaining term and mortgage insurance. |
| Other home-secured debt | Record a second mortgage or HELOC and its repayment terms. |
| Your goal and timing | Identify the problem to solve and how long you expect to keep the home or loan. |
| Costs of changing | Separate transaction costs from prepaid items, escrow funds and any cash received. |
| Compare at the same date | Ask for payments, costs, interest and remaining balance over your intended timeline. |
Bring your statement through our secure channel and tell us what changed. We can compare keeping the loan, a servicer PMI review or new financing where it serves a clear goal.
Read more: CFPB guidance on comparing borrowing costs.
What happens next? The button below opens our secure loan inquiry. Tell us your goal and timing so we can discuss the relevant costs, documents and options. Prefer a conversation first? Call 303-931-6798 or contact our team. Share sensitive documents only through the secure channel we provide. A conversation is not a loan approval or commitment.
Keep it, refinance it or add a home equity loan?
A refinance should solve a real problem or support a clear goal. We compare your current mortgage with the alternatives, including costs, loan term, cash access and the time you expect to keep the new loan.
Lower Your Payment
Save money by refinancing to a lower mortgage rate, reduce interest charges, or remove mortgage insurance to lower your monthly mortgage payment and improve your finances with a refinance.
Cash Out 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.
Debt Consolidation
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
Current mortgage vs. a new loan
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.
Keep the current mortgage
$2,500 / month
- Principal & interest$1,900
- Property taxes$350
- Annual home insurance ÷ 12$150
- Mortgage insurance$100
- HOA dues$0
Illustrative new mortgage
$2,350 / month
- Principal & interest$1,750
- Property taxes$350
- Annual home insurance ÷ 12$150
- Mortgage insurance$100
- HOA dues$0
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
What does break-even actually tell you?
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.
Smart home financing starts with strategy
Buying or refinancing? We compare options across our network of 150+ wholesale lenders, explain the trade-offs, and build a plan around your goals. Start with a pre-approval video conversation so you know what to expect before moving forward.
Instant Access To Refinance Resources & Tools
Quickly Explore Refinance Options, Home Equity Value, and Monthly Savings Potential
Free Mortgage Refinance Analysis:
Mortgage Refinance
How Do we make it Easier to Refinance Your 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.
Hassle Free Home Refinance
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.
The Refinance Loan Process
Here’s how our home loan process works:
- Complete our simple Refinance Analysis form
- Receive options based on your unique criteria and scenario that best fit you, pros and cons
- Compare the mortgage interest rates and terms we shopped in the market for you
- Choose the right solution for your needs and goals
Loan Option Guides
Compare home purchase, refinance, equity and specialty financing paths. Start with the guide that fits your goal, then review the borrower and property requirements.
All-in-One Loan / Wealth Builder
Explore first-lien HELOC financing that pairs home debt with cash-flow account features, compare daily-balance interest, deposits, withdrawals and repayment discipline.
Investment Property Loans
Compare rental purchase and refinancing options, including DSCR and short- or long-term rental considerations.
New Construction Loans
Plan construction draws, builder coordination and one-time-close or two-close financing.
Fix & Flip Loans
Review acquisition, renovation funds, short-term repayment and your sale or refinance plan.
Land & Lot Loans
Check build timing, access, utilities and the differences between raw land and a prepared homesite.
Commercial Real Estate Loans
Explore multifamily, standalone buildings and individual commercial sites with property-specific underwriting.
See what Clients are saying
Reviews from Google44 client reviews
Paul and his team helped me with a very complicated transaction for a cash out mortgage. I would highly recommend him.
Paul was great. He helped us understand our loan better and put our needs first. I’d strongly recommend his services. Throughout our home buying process, Paul Cederholm demonstrated the highest level of professionalism throughout our home loan process, an amazing ability to explain complex mortgage terms in simple language and a willingness to work evenings and weekends to meet our closing deadline. We got our home purchase loan in Chicago thanks to Paul Cederholm. I would absolutely recommend Paul Cederholm for your home loan because I would recommend Paul. You can trust him and he is very informative. We can't recommend Paul Cederholm enough for your home financing needs.
My overall experience working with Paul was fantastic! All his help made the whole process seem easy. Throughout our home buying process, Paul Cederholm demonstrated a talent for making the mortgage process seamless and stress-free, truly professional lending services that exceeded our expectations and a knack for shopping rates and locking in an amazing deal for us. He is humble and easy-going, which made us feel at ease. I would absolutely recommend Paul Cederholm for your home loan because paul is a truly amazing advisor: el mejor! Without his help, our dream of owning our first home would not have been possible. After our introductory call ended, my husband and I looked at each other and said, "He is the one!" We were absolutely right.
Paul exceeded our expectations by offering excellent advice and answering our questions before we even had to ask them (mind reader!). Paul always had our best interests at heart, and his dedication and passion showed in every conversation. We are thankful to have worked with someone trustworthy and honest; someone who went above and beyond for us.
Thank you, Paul, for taking all of our doubts and worries away.
Thank you for cheering us on!
We absolutely recommend you and your team to anyone looking for the best mortgage advisor. We can't recommend Paul Cederholm enough for your home financing needs.
Exceptional experience with Paul and his team! We knew we wanted to work with Paul not long into our introductory call. He put us at ease as he explained all the details of what it would take to get into our first home. Numbers are scary when it comes to such a large purchase, but he walked us through the documents in a way that was easy to comprehend. He made sure we understood the information and answered all the questions we had before proceeding to the next task. He was always available for a call, through text, and email. Never once did we feel uncomfortable or like we were not being heard and understood. We got the best rate available to us based on our information and also helped us get a rate buy-down! Thank you, Paul and your team, for everything you did. We look forward to working with you again should the time come to refinance or get into a different home. Paul Cederholm brought impressive expertise across mortgage products that helped us find the perfect fit, incredible dedication to finding us the best mortgage rate and a willingness to work evenings and weekends to meet our closing deadline. I'd tell anyone looking for a home loan to call Paul Cederholm — highly recommend Paul and his team as we felt comfortable, understood, and empowered throughout the entire process!. I would highly recommend Paul Cederholm — truly an exceptional mortgage professional.
(Translated by Google) Excellent service from Cederholm.
(Original)
Excelente atendimento de Cederholm.
Working with Paul and his team was an absolute dream! We had a particularly complex transaction, Paul made navigating feel easy and less stressful.
Paul and his team were absolutely amazing! Insanely fast response time to any question I had and amazing explanations throughout the whole process. I can’t imagine using another broker ever again!
If you are looking for a mortgage broker for your next home purchase, I highly recommend Paul Cederholm and his team at Cederholm Mortgage Advisors 🏡.
Paul helped me plan the financing for my new home, and I am so grateful for his guidance throughout the process. At the beginning, I felt nervous because the home buying process can feel very intimidating. With Paul’s care, patience, and expertise, I grew into a confident home buyer by the time we reached closing 🌿.
Paul was always available to answer my questions and explained everything in a clear, supportive, and non-intimidating way. He stayed one step ahead throughout the loan process and helped ensure my loan approval moved along quickly and smoothly.
Paul also has a wonderful team. Their attention to detail and clear communication helped me feel supported and never overwhelmed during the process 🌸.
I truly loved working with Paul. He was wonderful to have by my side during such an important step in my life. If you are looking for a knowledgeable and caring mortgage advisor who will guide you every step of the way, I wholeheartedly recommend Paul Cederholm and his team.
Buying my first house was an exceptional experience because Paul was tremendously helpful, and communicative. I can’t thank him and his team enough and highly recommend!!!
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Recently I had the pleasure of working with Paul and I can confidently say that my experience was nothing short of exceptional.
Trust is a crucial element when it comes to financial decisions, He took the time to understand my unique needs and goals, ensuring that every step of the process was transparent and tailored specifically to me. I never felt rushed or pressured; instead, I felt supported and empowered to make informed choices. Whether it was providing insights into market trends or introducing me to other professionals who could assist with my financial journey, Paul went above and beyond to ensure I had access to the best tools and information available.
I can say that Paul genuinely cares about his clients and strives to build lasting relationships. I can't recommend him enough for anyone looking for a mortgage broker who feels like family, fosters trust, and provides invaluable resources. Thank you, Paul, for making this experience so positive and rewarding!
We started the process in June and closed in November because we were indecisive and Paul was patient, he heard our request and never pushed us to buy until we were comfortable with our purchase. Luckily, he waited on us and we closed on the perfect home. We loved his 24/7 availability for us even on his vacation days. Thanks for an amazing work !
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You and your team were very helpful throughout the entire process! I could always rely on you to help answer questions and be available at all times. I would highly recommend!
Paul was amazing to work with! Unbelievable response times and guided us through every step of the process.
Paul was great to work with - so friendly, understanding and helpful! We felt very cared for throughout the process and he never made us feel like we were bothering him with our questions. He was always upfront and honest and we are so grateful for his help!
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We bought an amazing Condo in the heart of DTC. Paul was very helpful and made us, first home buyers, feel very confident in the process of buying a home. I would highly recommend!
Paul went above and beyond to get all the numbers to work for us. He was available for questions at any time, even at the most unusual times. He consistently would give us updates and let us know that everything was going well or immediately would call us if there are any issues. The whole process went incredibly smoothly and made the home buying process super easy!
Thank you Mr Paul, you were truly amazing and on top of everything! Love your proactive approach in covering all anticipated requests ahead of putting into UW. Your professionalism and high level expertise truly shines thru and I’m so glad we connected through the grapevines. Can’t thank you enough and look forward to doing this again!
My wife and I worked with Paul when purchasing our first and second home. He was recommended to us from a trusted friend so we decided to go with him when trying to find the best loan for us. Going into it, we had no idea what we were doing but Paul was extremely attentive, did a great job explaining the details, and I felt like he always put our needs first. It was a pleasure working with Paul and we will definitely be working with Paul again in the future!
Was a great experience working with Edge to get into our first home. Everything was made easy and clear for us to understand
Paul was excellent! He communicated all of our options and so we can make the best decision possible! He kept us informed the entire time as to where we were in the process so we were able to have a smooth and efficient closing!
Working with Paul and his team was amazing! Paul was straight to the point, gave us guidelines on what to and not to do, made us feel comfortable buying a home, and made it a very simple process. We will forever work with Paul and continue to recommend him to everyone we know!
Paul was absolutely amazing to work with. He kept us in the loop through EVERY step of the home mortgage process. He took the extra time to explain things we didn’t understand, and also had all of our best interests in mind. I truly felt like we were in the best hands possible when it comes to a big financial decision! We can’t thank you enough!!!
Paul was incredible! He made my first-time home buying experience way easier than I had expected. He was incredibly knowledgable and more than willing to explain anything I wasn't sure of. He was super helpful throughout and made the whole process go smoother than I thought was possible.
Paul is amazing! I would highly recommend working with him. He is so responsive and truly cares about each and every client. There are no questions left unanswered when working with Paul and he makes the home buying process easy peasy.
Working with Paul was an incredible experience. I was the listing agent for Sellers and he was the lender for the Buyer. He promised a smooth transaction up from and that’s exactly what we received. He met every deadline, early in fact, and was on the ball with keeping us updated every step of the way. His communication and correspondence was spot on. Thank you, Paul, for such a great experience and a smooth transaction!
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Hands down the easiest financial process I have ever been through. I refinanced my home loan with Paul and his team and I just sat back and relaxed while they did their thing. It was a quick and seamless process. I can’t thank Paul enough for his advice and expertise. Paul’s personal attention and his availability throughout the process always made me feel like I was his only client. Top notch service! I highly recommend Paul and his team.
Great team and service. Answered all of our questions and made sure we understood the refinance process. 10/10 recommend!
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Paul was wonderful to work with during our home-buying experience! He was very professional, personable and patient as we worked thru the various scenarios available to us, and was true to his word when he said it was his number 1 goal to ensure we were left in a better situation than when he'd come to us. Thanks to Paul's efforts and diligence, we got precisely the outcome we were looking for, and couldn't be happier!
I highly recommend Paul and his team. They worked their way and explained each step to me and what was expected of me to be quick and efficient. Thank you for a great experience.
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Paul is a great lender he made the process painless and was very informative. He helped get our credit up and rate down so we could get the best situation for our house purchase.
I recommend Paul for any financing you may need!
Paul has been one of the easiest Lenders to work with. Super honest businessman and extremely knowledgeable. I will continue to do business with him. He is a great and trustworthy lender!
Paul is straight up a rockstar. If you have a deal that a lender said can’t be done, or they don’t know how to fix. Paul has the answers and can get the job done. Very creative when it comes to helping structure his clients Loans and giving the advice to get the deal closed. He is an amazing lender partner.
Paul was extremely helpful with the refinance process. He kept us in the loop during the entire process and when the original plan fell through, he was able to work a new plan that turned out better than the original. Thanks Paul!
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Read all reviews on GoogleGoogle reviews · Updated Oct 30, 2026 · Refreshes twice dailyQuestions worth asking
A few answers before your next move
How do I know whether refinancing is worth it?
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.
Does a lower monthly payment always mean savings?
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.
Should I refinance or add a HELOC?
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.
Can I refinance without taking cash out?
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.
What information should I bring to a refinance review?
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.
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