Rate-and-term or cash-out — run a 60-second break-even check and see whether refinancing actually pays for itself.
Russell Petty, Founder
Broker Marketplace
Email: [email protected]
NMLS# 1509681
Empire Home Loans, Inc., NMLS ID #1839243, CA DRE #02086593, CA DFPI/CFL License #60DBO-95315, AZ Lic: MB-1012019. Refer to www.nmlsconsumeraccess.org to see additional license information. The Corporate office address is 4401 Hazel Ave Suite 225, Fair Oaks, CA 95628; www.empirehomeloans.com. This communication is for informational purposes only. This is not a commitment to lend. All programs are subject to change or cancellation at any time and without notice. Empire Home Loans, Inc., supports Equal Housing Opportunity.
Rate-and-term or cash-out — run a 60-second break-even check and see whether refinancing actually pays for itself.
Loan programs
Lower rate, shorter term, cash out, or less payment risk—name the outcome first. Then we calculate closing costs, break-even month, remaining-life interest, and the cost of doing nothing.
Rates moved. Should I refinance now?
Maybe. Send the balance, rate, payment, and how long you’ll keep the home.
I’ll reply with keep, refinance, and second-lien routes—plus the break-even month.
Delivered
Illustrative example: a $6,000 closing cost and $250 verified monthly benefit breaks even in 24 months. The decision only works if the benefit survives your likely holding period.
Send the current statement and your likely holding period. We’ll return three routes with payment, costs, break-even, and total-interest impact.
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Equal Housing Opportunity. This is not a commitment to lend. All loans subject to credit approval, income verification and property appraisal. Rates shown are illustrative, not an offer, and change without notice.