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Free PDFThe Refinance Decision Framework
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Free guide
The Refinance Decision Framework
When the math actually works — and when it doesn't
Refinancing isn't always a win. This guide gives you the spreadsheet we use internally: penalty + fees vs. monthly savings + break-even, with three worked scenarios (rate drop, debt consolidation, equity take-out).
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Inside the guide
7 sections- 1The 3 reasons people refinance (and the 1 they shouldn't)
- 2Penalty math: 3 months interest vs. IRD, simplified
- 3Break-even analysis: a sample spreadsheet you can copy
- 4Debt consolidation: lifetime cost vs. monthly cashflow
- 5Equity take-out: when investors should, when they shouldn't
- 6Mid-term refinance triggers (rate drops 75bps+)
- 7Switching lenders mid-term: what it actually costs
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