Free Interactive Tools

Calculate potential monthly savings by refinancing your mortgage with lower credit scores. Enter your current rate, loan balance, and credit score to see your estimated new rate and monthly savings.

Estimate how quickly you can improve your credit score based on your current score, debts, and payment habits. Get a timeline and actionable steps for credit improvement.

Compare FHA and conventional loan options side-by-side based on your credit score, down payment, and income. See which program offers you the best terms.

Interactive checklist to determine if you are ready to refinance. Covers credit score requirements, equity position, income documentation, and debt-to-income ratio.

Analyze your debt-to-income ratio to see if you qualify for refinancing. Enter your monthly income and debts to get your DTI percentage and learn what lenders look for.

Plan your refinance break-even point by comparing closing costs against monthly savings. Find out exactly when refinancing starts saving you money.

Find estimated mortgage rates based on your credit score range, loan type, and property value. See current rate ranges available for borrowers with credit scores from 500 to 680.

Take a quick quiz to find out if you qualify for a mortgage refinance with your current credit score. Answer 8 simple questions about your financial situation.