Use the quote you can actually get
Do not type a rate you saw advertised for a different credit tier. The break-even math is only as real as the rate.
If the quote is higher than your current rate, expect the page to hide break-even. That is the correct result, not a broken calculator.
Time can change the file
Paying down card balances and avoiding new credit applications are ordinary steps people take before a refinance. This site does not estimate how many points a score will move.
Government programs have their own credit rules. Eligibility is not something the VA, FHA, or USDA calculators decide.
| Piece | What to do here |
|---|---|
| Rate | Type the real quote |
| Fees | Raise closing costs if the quote does |
| Approval | Not calculated |
Calculators
Related guides
Sources
Common questions
Will a cosigner fix the rate?
The calculator cannot say. It can price whatever rate you enter after a lender actually offers it.
Does DTI replace a credit score?
No. They are separate parts of underwriting. Both tools are educational.