Helpful Resources
Tools and checklists to help you compare refinance offers and make an informed decision.
Refinance checklist
- Gather your current loan statement and payment details
- Check your credit score and report
- Calculate your home equity
- Compare quotes from at least 3 lenders
- Estimate your break-even point
- Read the Loan Estimate carefully before signing
Questions to ask before refinancing
- What is the total cost to close this loan?
- Is the rate fixed or adjustable?
- Are there prepayment penalties?
- How long is the rate lock?
- What is my estimated break-even point?
What to compare between lenders
- Interest rate and APR
- Total closing costs
- Discount points
- Loan term options
- Monthly payment
Closing cost reminders
Closing costs typically include lender fees, title insurance, appraisal, recording fees, and prepaid taxes/insurance. They usually total 2%–5% of the loan amount. Always review the official Loan Estimate.
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Refinance Decision Worksheet
Refinance Decision Worksheet
Compare refinance offers side by side with a printable worksheet that helps you track lender quotes, closing costs, monthly payments, break-even points, and questions to ask before choosing a refinance option.
Secure checkout is being finalized. The worksheet will be available as a paid digital download.
Get the Free Refinance Readiness Checklist
Before you refinance, use this free checklist to gather your numbers, compare your options, and prepare questions for lenders.