See your true cost across all debt — then compare refinance scenarios to find real savings.
First Mortgage
$
%
Second Mortgage / HELOC
$
%
Blended Rate
Effective Blended Rate
--%
Combined Balance--
Combined Monthly Payment--
1st Mortgage Payment--
2nd Mortgage Payment--
Total Interest Remaining--
Payment shown is principal & interest only. Does not include property taxes, homeowners insurance, or HOA fees. Actual payment will vary.
How to use this: If your blended rate is above current 30-yr rates, consolidating into one new mortgage may cut your total cost — even if the new rate is higher than your first alone.
Current Loan
$
%
New Loan Options
%
%
$
Comparison
Current
--%
--/mo
Option A
--%
--/mo
Option B
--%
--/mo
Monthly Savings (B)
--
Current remaining interest--
Option A total interest--
Option B total interest--
Lifetime savings (Option B)--
Payment shown is principal & interest only. Does not include property taxes, homeowners insurance, or HOA fees. Actual payment will vary.
Break-even point tells you how many months until savings cover closing costs. If you plan to stay longer than that, refinancing puts money back in your pocket.
Your Current Debts
Debt NameBalanceRate %
Cash-Out Refi Scenario
%
$
Consolidation Analysis
True Blended Rate — All Debt
--%
Total Debt Balance--
Total Monthly Payments (now)--
New Single Payment--
Monthly Cash Flow Freed--
Break-Even on Costs--
5-Year Total Savings--
Payment shown is principal & interest only. Does not include property taxes, homeowners insurance, or HOA fees. Actual payment will vary.
Why this matters: Rolling high-rate debt (credit cards at 20%+, car loans at 8–10%) into a mortgage at 6–7% can free up hundreds per month — even if the new mortgage rate is higher than your current one. The blended rate is the number that tells the real story.
Want someone to run the actual numbers with you?
Whether you're looking to lower your rate, consolidate debt, or improve your credit profile — let us know what you're working on and we'll reach out.
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Results are estimates for comparison purposes only and do not constitute a loan offer or commitment. Actual rates, payments, and savings vary by loan type, credit, property, and market conditions.