Owning
Refinance breakeven
Whether a refi pays for itself, and how fast.
Refinance breakeven
22 months to break even
- Payment today (P&I)
- $2,281
- New payment (30-yr, P&I)
- $2,002
- Monthly savings
- $280/mo
Staying past the break-even makes the refi worth the closing costs. Note a new 30-year clock restarts amortization — ask about matching your remaining term instead.
We’re not a lender — this is a budgetary comparison. Real refi quotes include escrow, rate locks, and payoff timing — we’ll introduce you to a lender who’ll run the exact numbers.
Talk to a lender
These are the lenders Allen works with. For any lender you’d like to talk to, tap Make introduction — we’ll make the introduction for you.
Zin Team
Zin Mortgage Group
Reilly Hupfeldt
Orca Home Loans
Cindy West
Matador Lending
Gary Warstler
Rocket Mortgage
Allen Markel is a licensed Texas REALTOR®, not a mortgage lender or loan originator. He does not quote rates or terms and does not decide whether you qualify — only a lender can do that. Introductions are a courtesy; you choose who to work with.
Numbers raising questions? Walk through them with a person.
Schedule time with Allen