Internal Refinance Calculator

Compare current mortgage vs refinance strategy

Built for quick internal use. Compare rate-and-term or cash-out refinance, account for debt payoff, and estimate LTV against a 75% ceiling.

I Want to Buy a Home I Want to Refinance

Refinance Scenario

Enter the borrower's current mortgage details, estimated value, and the proposed refinance structure. This tool estimates payment change, debt relief, and LTV.

Client Name

Optional

Current Mortgage Details

Current Estimated Value

Required For LTV

Current Loan Balance

Now

Current Interest Rate (%)

Now

Years Remaining

Current Term Left

Current Taxes / Insurance / HOA

Monthly

New Refinance Details

New Interest Rate (%)

Refinance

New Loan Term

Years

Closing Costs

Financed

New Taxes / Insurance / HOA

Monthly

Personalized Refinance Comparison Report

Prepared For

—

Refinance Comparison

Estimated Net Monthly Impact

$—

Compare current housing cost against the refinance structure below.

Current Payment

$—

Estimated current mortgage payment including escrow.

New Refinance Payment

$—

Estimated new mortgage payment including escrow.

Estimated Loan-To-Value

—

Enter current value and refinance details to estimate LTV.

Current vs New Loan

Current Principal & Interest$—

New Principal & Interest$—

New Loan Amount$—

Closing Costs Financed$—

Cash Flow Impact

Mortgage Payment Change$—

Monthly Debts Eliminated$—

Net Monthly Impact$—

Cash To Borrower$—

Term & Break-Even

Current Payoff Time Left—

New Loan Term—

Estimated Break-Even—

This estimate is for internal educational use only. Actual refinance terms depend on credit, final value, max LTV, escrow setup, title fees, prepaid items, appraisal, and lender approval.

Channing Moore

Owner, Mortgages by Channing
NMLS #1235512
337.476.2623
channing@mortgagesbychanning.com

I Want to Refinance

Internal Mortgages by Channing refinance worksheet

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Actually Stand

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Mortgages by Channing · 337-476-2623 · Licensed across Louisiana · NMLS #1457759