🔄 Scenario Engine

Refinance Monitor

Enter your current mortgage details. Get three clear refinance scenarios — lower payment, shorter term, or cash-out — with exact break-even timelines.

📋 Your Current Mortgage

Enter your existing mortgage details to model your refinance options.

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Nordaux's best 5-year fixed today: 4.19%
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Legal fees, appraisal, title insurance (~$2,500–$5,000)

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Used for cash-out and equity calculations
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Enter your mortgage details

Fill in the form and click Calculate to see your three refinance scenarios with exact break-even timelines.

⏱️

Break-Even Analysis

Month 0
$—
Monthly Saving
Break-Even
A

📈 Lower My Payment

Refinance at a lower rate, keep the same amortization — maximize monthly savings now.

New monthly payment$—
Monthly savings$—
Annual savings$—
5-yr total savings$—
Break-even— mo
Rate—%
B

⏰️ Pay Off Sooner

Similar payment, shorter term — build equity faster and eliminate your mortgage years earlier.

New monthly payment$—
Payment change$—
New term— yrs
Years saved
Interest saved$—
Rate—%
C

🏗 Cash-Out Equity

Tap into your home's equity. Access funds for renovations, investments, or debt consolidation.

Home value (est.)$—
Current equity$—
Max cash-out (80% LTV)$—
New loan amount$—
New monthly payment$—
Rate—%

🤖 Nordaux Recommendation