See your potential savings with a $0 out-of-pocket1 refinance. Live rates updated in real time.
No-cost pricing disclosure
1Representative no-cost pricing example based on the selected loan type and assumptions entered into this calculator.
Rates, terms, and savings shown are estimates for educational purposes only and may vary based on your credit profile, property value, loan type, and market conditions.
Your actual rate, APR, payment, and closing costs depend on credit profile, loan amount, equity, occupancy, property type, lock period, and market conditions.
"No-cost" options may use lender credits or adjusted pricing to offset eligible closing costs. Not all borrowers, costs, or loan structures qualify.
IRRRL1 is not affiliated with any government agency, including the Department of Veterans Affairs. IRRRL1 is an Equal Housing Lender. NMLS #2530539.
Principal & Interest only
Your Estimated Monthly Savings
$112
Annual Savings
$1,349
$6,743 over 5 years
New Rate
7.250%
New Monthly Payment
$2,388
Cash Needed at Closing
$0
New Rate
6.925%
New Monthly Payment
$2,311
Cash Needed at Closing
$2,625
New Rate
6.250%
New Monthly Payment
$2,155
Cash Needed at Closing
$5,250
Since you plan to keep the loan for 5 years, the no-cost option lets you start saving $112/month immediately without spending a dime at closing.
Keep your savings for emergencies, investments, or home improvements instead of paying closing costs.
Start saving on your very first payment. No waiting to "recoup" your closing costs.
If rates drop again or you move sooner than expected, you haven't lost thousands in closing costs.
Get your personalized rate quote in minutes. No obligation, no credit check.
