See what a refinance could look like.
Two quick calculators — a new-payment estimator and a break-even calculator to see how long it takes closing costs to pay for themselves. Both use your own numbers; neither pulls a live rate for you (see the disclaimer below).
Equal Housing Opportunity
Estimate a New Payment
The interest rate field starts blank / user-entry-only. It is not pre-filled with any current-market figure — rates move too often for a hardcoded default to stay accurate, and using a stale one would be misleading.
Estimate Your Break-Even Point
A refinance isn’t automatically worth it just because the rate is lower — the closing costs need to pay for themselves within a timeframe that makes sense for how long you plan to keep the loan.
This is a simplified estimate that doesn’t account for the time value of money, tax effects, or changes in how long you keep the loan — see our Refinance & HELOC page → for more on how refinancing works.
These calculators provide estimates only, based on the numbers you enter. They are not a quote, a pre-qualification, or a commitment to lend, and actual loan terms may differ. Nationwide Funding Group Corp does not guarantee any rate, payment, or break-even outcome. Contact us for an actual conversation about your numbers.
Get pre-qualified.
Rates, programs, and terms are not guaranteed and are subject to borrower qualification and final lender approval. This is not a commitment to lend.
Nationwide Funding Group Corp, a licensed mortgage lender and mortgage broker | 350 S Crenshaw Blvd, Ste A206A, Torrance, CA 90503 | (310) 961-9750 | NMLS #98906 | CA DRE Corporation License #01801836 (licensed, active, since 2007) | Broker of Record: Alexander J. Gonzalez | NMLS #98329 | CA DRE #01384006 | Equal Housing Opportunity | NMLS Consumer Access → | Google Maps → | Yelp → | Facebook → | LinkedIn → | Licensing & Disclosures | Privacy Policy | Terms of Use | Accessibility Statement | This is not a commitment to lend. All loan programs are subject to borrower qualification, property eligibility, and lender approval, and are not guaranteed.