Sample report with fictional numbers.
Refinance Analysis Sample

Refinance may help if you stay long enough

This fictional scenario compares a current 7.15% loan with a new 6.25% loan, including closing costs and break-even timing.

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Monthly payment change -$310/mo

Lower principal and interest payment before taxes and insurance.

Break-even estimate 22 months

Closing costs are recovered if the owner keeps the loan past this point.

Five-year position +$12,400

Estimated improvement after payments, costs, and interest savings.

What to verify next

Checklist

  • Confirm the exact lender fees, points, escrow costs, and prepaid items.
  • Compare no-cost and lower-rate options side by side.
  • Verify how long you realistically expect to keep the home or loan.
  • Ask whether cash-out changes your rate, payment, or risk profile.
Educational note

Use this as a guide

This sample is fictional and simplified. HomeDecisionLab reports are educational decision-support tools, not financial, legal, tax, mortgage, investment, appraisal, or real estate advice.

Use your own numbers and verify assumptions with qualified professionals before making decisions.