David Thomas
Loan Officer — NMLS #399104 · EMortgage Capital, Inc. NMLS# 1416824
Refinance Calculator
Compare your current loan to a new one — monthly savings, lifetime interest, and how long to break even.
Current loan
New loan
Estimated monthly savings
$464/mo
- Current payment (P&I)
- $3,420
- New payment (P&I)
- $2,956
- New loan amount
- $486,500
- Break-even on costs
- 15 months
- Interest left on current loan
- $627,993
- Interest on new loan
- $577,669
- Balance in 5 years (new loan)
- $453,403
Extending the term can lower the payment while increasing total interest paid. Payments shown are principal & interest only.
Want the real numbers?
These estimates are a starting point. Send your scenario over and David will return a custom breakdown with live pricing, program options, and a written pre-approval path.