Renewal savings
Is the letter a good offer?
Enter the rate in your renewal letter and a rate you have seen in the market. The difference over the term is what you are deciding about. Switching at renewal has no penalty, and the new lender usually covers the transfer costs.
Difference over the term
$0
- Payment at the letter’s rate
- Payment at the market rate
- Monthly difference
- Interest difference over the term
Estimate only. Rates you enter are yours; nothing here is a rate offer. Constants verified 2026-09-16.
Keep these numbers
Email me this simulation.
You get a copy of your inputs and results, with the name of the associate who can check them with you. One email, no list.