Refinance Mortgage Planning

Explore a refinance scenario.Explore your refinance options with broader market access and guidance from a licensed mortgage loan originator.

Build an illustrative comparison using the assumptions shown below, then speak with a licensed mortgage loan originator to determine whether an available refinance option warrants a formal review.

Request a Refinance Review Speak With a Licensed Mortgage Loan Originator →

Using the educational tools on this page does not involve a credit inquiry. A later refinance review or application may require credit authorization and may affect your credit, as disclosed before the inquiry.

Current Loan Profile

Build a comparison from the statement you have today.

For the most reliable comparison, use your latest mortgage statement. It usually separates principal and interest, taxes, insurance, and mortgage insurance.

Current loan type *Current rate structure *Current unpaid principal balance *$Current interest rate *%Remaining term in years *Additional remaining monthsEstimated property value *$Property state *Occupancy type *Desired refinance term *

Where do I find payment components?

Your mortgage statement usually identifies principal and interest separately from escrow for taxes, homeowners insurance, mortgage insurance or program fees, and other charges. HOA or condominium dues are commonly billed outside the mortgage statement. Do not upload a statement here; use Imperium’s secure application or document system for document review.

Current monthly payment components

Principal-and-interest payment *$Property-tax escrow$Homeowners-insurance escrow$Mortgage insurance or program fee$Other monthly escrow$HOA or condominium dues (separate)$

What’s Your Goal?

Choose the outcome before the structure.

Illustrative Planning Scenario

Current versus proposed planning view.

Generic planning-rate assumption: 6.500%. This calculator uses a generic rate assumption solely to model an illustrative scenario. It is not based on your credit, income, property, equity, occupancy, loan type, state, or current lender pricing. It is not a rate quote, offer, lock, qualification result, or commitment to lend. An actual rate may differ materially.

Result status

INSUFFICIENT INFORMATION

We need the required current-loan fields and the principal-and-interest portion of your current payment to produce a meaningful comparison. Check your latest mortgage statement or request a refinance review.

Exact payment difference, cost-recovery period, five-year impact, and favorable or unfavorable characterizations remain suppressed until the critical current-loan fields are complete.

Financing Paths

Explore refinance paths for your situation.

Conventional Refinance →Government-Backed Refinance →Jumbo Refinance →Self-employed or business-owner income →Outside standard agency guidelines →Rental or investment property →Renovation or expansion →Preserve the first mortgage while accessing equity →Medical professional →Homeowner age 62+ →

Program availability, eligibility, limits, documentation requirements, costs, terms, and property requirements vary. A complete application and review are required for a credit decision.

Not Ready Today?

Stay informed without treating an alert as a quote.

Rate Watch

Set a target market rate.

Choose a target rate and we'll notify you if an advertised market rate reaches that target. An alert does not establish that you or your property qualify for that rate or program.

Benchmark monitored: Freddie Mac 30-Year Fixed PMMS Average
Review frequency: Reviewed after each weekly PMMS release
Alert trigger: The published benchmark reaches or falls below the selected target
How it is handled: Submitted targets are queued for team review; an alert is not personalized pricing

Full name *Email address *Mobile phone (optional)Your current rate (optional)Target benchmark rate *

By checking this box and clicking ‘Add Me to Rate Watch,’ I provide my electronic signature and authorize Imperium Mortgage LLC, NMLS ID #1900572, to call or text me at the number provided regarding mortgage products and rate alerts, including through an automatic telephone dialing system or an artificial or prerecorded voice. Consent is not required as a condition of purchasing any property, goods, or services. Message and data rates may apply. Reply STOP to opt out or HELP for help. View our Privacy Policy.

Email-only Rate Watch enrollment does not require automated call or text consent. If you provide a phone number, checking the consent box is required for calls or texts.

By submitting without a phone number, you request the described Rate Watch email service. You may unsubscribe by using an email unsubscribe method or by asking Imperium through any reasonable method.

Rate Watch does not begin a preapproval, application, credit review, or rate lock. Pricing and availability may change at any time. You may revoke consent through any reasonable method communicated to Imperium, not only by replying STOP.