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.
Future partner resources
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Refinance Decision Worksheet
Refinance Savings Toolkit
Printable digital download — $4.99
- Refinance Decision Worksheet
- Mortgage snapshot section
- Refinance goals checklist
- Lender comparison table
- Closing cost and monthly savings tracker
- Break-even month estimate section
- Questions to ask before choosing an offer
- Final notes and best choice section
Refinance Savings Toolkit
Printable digital download — $4.99
- Refinance Decision Worksheet
- Mortgage snapshot section
- Refinance goals checklist
- Lender comparison table
- Closing cost and monthly savings tracker
- Break-even month estimate section
- Questions to ask before choosing an offer
- Final notes and best choice section
Disclaimer: These resources are for educational purposes only and are not financial, legal, tax, lending, or mortgage advice.