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Refinancing
Refinance Math in 3 Minutes
Break-even, total interest, and whether extending your term is a mistake.
Video coming soon
The break-even formula
Closing costs divided by monthly savings — the single number that tells you if a refi is worth it.
Total interest matters more than payment
Why resetting to a 30-year loan can cost you more even when your payment drops.
When to just take the lower payment
Cash flow situations where a slightly worse total is still the right move.
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