Decision Tool · Refinance

Compare change against the reason for change.

A refinance review should connect the proposed structure to a defined objective and make the trade-offs visible.

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Knowledge base · Key considerations

A refinance review should answer one practical question.

What problem is the new structure solving, and what will it cost to solve it? List the objective, debts or investment use, penalty, legal and appraisal costs, new payment, and expected break-even point.

Look for the trade-off the headline leaves out.

Accessing equity can improve short-term cash flow or fund a defined purpose, but it can also extend debt or change flexibility. Compare acting now, waiting, and other available structures before choosing.

01

List the debts or objective

02

Estimate penalty and transaction costs

03

Compare the break-even logic