Current home
Intelligent Mortgage Refinance Calculator
Model an Intelligent Mortgage against keeping your current mortgage. This is an educational comparison only. A refinance is not automatically beneficial, and costs, terms, and program availability all matter.
Optional detail
Monthly Spending Calculator
Include property taxes, homeowners insurance, and HOA/condo dues. Do not include mortgage principal and interest.
Turn on detailed spending to use this total, or keep entering monthly spending manually in the Scenario Inputs tab.
Your situation
Intelligent Mortgage Scenario
Estimated equity: $280,000. Used as the modeled starting balance unless you set a proposed balance.
Household spending excluding mortgage P&I.
Context only; not used in comparison math.
Uses the remaining term you enter.
Model your regular paycheck
Estimated monthly base income
$14,000
Does this YTD income include any bonuses, commissions, or one-time income?
Illustrative rate used for comparison purposes. Your actual rate may be different.
Why are we using this rate?
We use a modeled rate so you can see how the Intelligent Mortgage structure may affect payoff time and total interest. The 7.395% rate is an illustrative assumption used for this comparison, not a quote or an advertised rate. Your actual rate will depend on your credit profile, property, loan structure, market conditions, and other factors.
Ready to take the next step?
Whether you're buying a home, investing in real estate, or exploring loan options, let's find the right financing path together.