RefiWatch: 24/7 Peace of Mind

Save time and money for the things that really matter to you! With our premium service, you can feel safe and free knowing we are monitoring the market daily to notify you as soon as you can refinance at our recommended rate provided via our premium calculator.

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Remaining Mortgage Amount

Current Mortgage Interest Rate

New Mortgage Length

Estimated Cost of Refi

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Remaining Mortgage Length

Marginal Federal Income Tax Rate

Estimated Time Until Moving

Number of Points

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Remaining Mortgage Balance:

Remaining Mortgage Length:

Marginal Federal Income Tax Rate:

Current Mortgage Interest Rate:

New Refinanced Mortgage Term:

Estimated Time Until Moving:

Estimated Cost of Refinancing:

Number of Refinancing Points:

We pride ourselves on not being affiliated with any lender, so you can trust your best interest is our only interest!

Our mission is to help every American prosper in their home by providing the information needed to make a superior refi decision.

Better Refi Calculator

We pride ourselves on not being affiliated with any lender, so you can trust your best interest is our only interest!

Remaining Mortgage Balance:

The principal balance, or amount of money left to pay on your mortgage.

Remaining Mortgage Length:

The term of your mortgage in years minus the number of years you are into the mortgage.

Marginal Federal Income Tax Rate:

the federal tax rate paid on your final dollar of taxable income for the year

Current Mortgage Interest Rate:

Interest rate charged by the lender for your mortgage.

New Refinanced Mortgage Term:

The length of the refinanced loan in years.

Estimated Time Until Moving:

The number of years until you expect to sell your home and move to a new one.

Estimated Cost of Refinancing:

The sum of all expected costs associated with refinancing your mortgage.

Number of Refinancing Points:

The number of points planned to be used in the refi.

Est. Current Monthly Payment
$

Projected Monthly Payment
$

Lifetime Savings vs.
Present Value Refi:

Common, suboptimal financial advice telling borrowers to only refi when the present value of the reduction in interest payments is equal to the cost of refinancing.

Lifetime Savings vs.
100 BP Refi:

Common, suboptimal financial advice telling borrowers to only refi when the available mortgage interest rate has fallen from your original by at least 100 basis points or 1%.

Lifetime Savings vs.
200 BP Rule

Common, suboptimal financial advice telling borrowers to only refi when the available mortgage interest rate has fallen from your original by at least 200 basis points or 2%.

Recommended
Refi Rate:

RefiWatch: Say Goodbye to Uncertainty!

The average American borrower would save $15,753 more by refinancing their mortgage at our recommended rate vs the well known financial advice called the 100 basis point rule.

Access our premium calculator where you can save your inputs to your profile and we will let you know when you can refi at the recommended rate, whether it's 10 months or 10 years from now! You can save thousands for just a few dollars today, and not have to worry about your home for years to come.

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About Us

Our mission is to help every American prosper in their home by providing the information needed to easily make a superior refi decision. We believe owning a home is part of the American dream and want to do our part in helping you succeed. We do this by providing our calculator technology free of charge to any site visitor (we take our mission to heart, it’s more important than money). Speaking of which, we do need to keep the lights on and want to offer the best suite of services for our customers which brings us to RefiWatch, our premium service! For a small one time payment, we take our service and tech one step further, starting with a more advanced calculator. You can be stress free as we monitor the market to alert you via text and/or email when your recommended refi rate is likely to be achievable in the current market! Our future rollout plans include a cash out option to help you make the most of the equity you have worked for so long and hard to build!

Disclaimer: The above refinance calculator is designed only to work with fixed rate, fully amortizing mortgages. It is for educational purposes and does not constitute legal or financial advice. Savings are not guaranteed; savings are dependent upon your current loan terms, credit profile, and available lender loan terms. RefiWatch LLC does not make loans and this is not a commitment to lend. It is assumed borrowers do not treat their interest payments as tax-deductible. RefiWatch Premium overcomes this assumption and allows for additional user input to incorporate the fact that these interest payments are in fact tax-deductible.

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