Time to refi

How It Works

How it works

We request five essential data points to generate a comprehensive lending report for your refinance. This report not only outlines the cost of refinancing but also provides crucial information for an informed decision. Our refinance report employs advanced tangible benefit calculators, analyzing beyond mere monthly savings and considering a wider spectrum of financial factors.

17+

Years of Experience

How do we determine what rates and cost to use?

Since our role is to offer advice rather than to provide the loan directly, ensuring the accuracy of our data is crucial. We gather our interest rate information from multiple reputable sources, including Freddie Mac and Mortgage Daily News. These platforms offer current mortgage rates from trusted banks and mortgage lenders.

Freddie Mac

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Federal Reserve Bank

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Mortgage News Daily

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Time to refi

Closing costs are determined acclimating 3 different factors

We utilize title calculators from the three leading title companies in the country, each offering online title quotes for your convenience.

First American Financial Corporation

First American Financial Corporation

Renowned for its comprehensive services and extensive title insurance coverage, First American is a major player in the industry, offering a range of title, settlement, and other mortgage-related services.

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Old Republic National Title Insurance Company

Old Republic National Title Insurance Company

A part of Old Republic International, this company is known for its strong financial stability and extensive services in title insurance and real estate transaction services.

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Fidelity National Financial

Fidelity National Financial

  • Fidelity is another leading company, offering vast title insurance coverage and a wide array of related services, including transaction and claims management.
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Time to refi

Lender/Bank closing costs

Lender/Bank closing costs

Closing costs can vary significantly across companies, so we’ve compiled average figures from top banks and lenders across all 50 states. Remember, closing costs are as crucial as interest rates in determining the overall savings of your refinance, as they can significantly influence the final financial outcome.

Time to refi

Finally, what happens next?

In your refinance report, we’ll include contacts for three of our top lenders—seasoned loan officers with proven success. Rest assured, your information remains confidential with us; unlike others, we neither sell nor share it.

Our service is complimentary. But you might wonder why. Over my three-decade career, I’ve consistently encountered clients who sought my guidance only after being excessively charged. Whether due to a bait-and-switch tactic or unexpected points and fees at closing, the surprises were never pleasant. While you’re not obligated to choose our lenders, rest assured they are meticulously vetted and recognized for offering not only competitive rates and closing costs but also for their integrity as mortgage lenders.
Opting for an unknown online lender carries its risks. Our service is designed to empower you with accurate, practical information, enabling you to make informed decisions as you explore your refinancing options.
We sincerely hope you’ll make the most of what we offer.
Thank you,
Mortgage Mike

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Time To REFI

Discover your potential savings with our free, no-obligation refinance report.​

To craft your personalized savings report, kindly provide five details about your current mortgage. Our goal is not just to quote a rate but to reveal the true costs or savings of refinancing, ensuring you make a well-informed decision.

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