Skip to content
Cory the Mortgage CoachNMLS #1874864 · AZ · CA · CO

For homeowners

Is a Refinance Actually Worth It?

Four questions and one piece of arithmetic. Most of the time the answer is no.

Where should I send it?

Free. No call required. Unsubscribe whenever.

This is for you if someone has been calling you about your mortgage and you don't know how to tell whether they're right. It is not a refinance pitch. It's the math they skip.

What's in it

  • The four questions, in order, and why the fourth one can make the first three irrelevant
  • The break-even calculation — thirty seconds, and you can run it before you talk to anyone
  • When the answer is usually yes, and when it's usually no
  • The trap: how a lower payment can quietly cost you more over the life of the loan
  • Four questions to ask any lender — the answers tell you about the person, not just the loan

7 pages. Free. No call required.

Not a commitment to lend. All loans subject to credit approval. Cory Graciano | NMLS #1874864 | Licensed Mortgage Loan Originator | Brokered through 1 Lending LLC, NMLS #2503269. Equal Housing Opportunity.