Refinance Analysis Calculator

Refinance Analysis Calculator*

This calculator will help you to decide whether or not you should refinance your current mortgage at a lower interest rate. Not only will this calculator calculate the monthly payment and net interest savings, but it will also calculate how many months it will take to break even on the closing costs.

My Sensible Mortgage Refinance Savings & Breakeven Estimator

Property & Escrow

Oregon county (sets typical tax %)

Current Loan

New Loan (Refi)

Closing Costs

Current Monthly Payment
$0
P&I$0
Property tax$0
Home insurance$0
HOA$0
New Monthly Payment
$0
P&I$0
Property tax$0
Home insurance$0
HOA$0
Monthly change$0
Total closing costs (incl. points)$0
Breakeven (months)—
Interest remaining (current)$0
Total interest (new)$0
Show new-loan amortization (first year + yearly marks)
New loan amount: $0
Payoff date: —
#DatePaymentPrincipalInterestPMIBalance

Estimates only; not a commitment to lend. PMI rules, APR, costs, and taxes vary by program and borrower. Consult My Sensible Mortgage for an official Loan Estimate.

About Us

We strive to deliver the highest levels of service to help you reach your goals. We thank you for your trust and support. From the first call to closing, our team is with you every step of the way!

Contact Us

388 State St, Suite 975

Salem OR 97301

(503) 990-7486

Loan Options

Fixed Rate Mortgage

Jumbo Home Loan

First Time Home Buyer

Investment Property Loans

Equal Housing Opportunity Sensible Mortgage LLC ™ 2025 | Company NMLS: 2341567

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