Mortgage Refinancing  
During the past few years, record numbers of Americans have refinanced their home mortgages as a result of historically low interest rates. This calculator is designed to help you determine whether you should consider refinancing your mortgage.
     

1. What is the principal balance remaining on your current mortgage (from your last statement)?

$

2. What is the annual interest rate on your current mortgage?

%

3. How many years remain on your current mortgage?

4. What will the annual interest rate be on your new mortgage?

%

5. What will the term be (in years) of the new mortgage?

6. What will the loan origination fee be (in percentage terms) on the new mortgage? (Lenders typically charge 1 percent when refinancing a loan.)

%

7. How many points (in percentage terms) will you be paying for the new loan?

%

8. What other closing/fixed costs (in dollar terms) are there?

$
 
   
   
Cents & Sensibility
Cents & Sensibility, Inc.
5994 W. Las Positas Blvd. Suite 119		 • Pleasanton, CA • 94588
Phone: 925-225-1135 or
toll free 877-CENTS11		 • Fax: 925-225-1227
www.centsandsensibility.com • Sharon@centsandsensibility.com Andrea@centsandsensibility.com Laurie@centsandsensibility.com Pat@centsandsensibility.com Lisa@centsandsensibility.com

Securities and advisory services offered through VSR Financial Services, Inc. a registered investment advisor and Member FINRA/SIPC.  Cents & Sensibility, Inc. and VSR Financial Services are not affiliated companies.