How long will it take to breakeven on a mortgage refinance? That depends on a multitude of factors. These factors include your current interest rate, the new potential rate, closing costs and how long you plan to stay in your home. Use this calculator to sort through the confusion, and determine if refinancing your mortgage is a sound financial decision. Click the “View Report” button for a detailed look at your records.












What Our Customers Are Saying

Customers Love Us!


Jennifer Ganas

"The best experience ever. Michael Melton was very helpful in every possible way. He was always available to answer questions, especially during a time where my significant other and I needed extra clarity. Everything was handled quickly and cleanly. Very good response time and accurate numbers."

Katy Anderson

"Michael Melton is very good in every detail of our refinance to make sure the process was always on track. I would gladly recommend him to any of my friends and family who are looking to refinance their mortgage with a true professional. We had a horrible experience with a previous lender, dropping us out of nowhere while in escrow. Alex and his team took us on and were there to assist us in getting our loan approved during this stressful time. We are now proud first time homeowners!"