Mortgage Refinancing  
During the past few years, record numbers of Americans have refinanced their home mortgages as a result of historically low interest rates. This calculator is designed to help you determine whether you should consider refinancing your mortgage.
     

1. What is the principal balance remaining on your current mortgage (from your last statement)?

$

2. What is the annual interest rate on your current mortgage?

%

3. How many years remain on your current mortgage?

4. What will the annual interest rate be on your new mortgage?

%

5. What will the term be (in years) of the new mortgage?

6. What will the loan origination fee and closing costs be (in percentage terms) on the new mortgage? (These are typically charged by the lender to process your loan. 1 point = 1 percent)

%

7. How many discount points (in percentage terms) will you be paying to lower (buy down) the interest rate?

%

8. What other fixed costs (in dollar terms) are there? (such as an appraisal)

$
 
   
   
Harlan Miller & Associates
259 Regency Ridge Drive • Dayton, OH • 45459
Phone: (937) 436-0400 • Fax: (937) 436-7984
• hmiller@walnutstreet.com

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 Harlan V. Miller is a Registered Representative of Walnut Street Securities, Inc. (WSS) Securities offered through WSS, Member FINRA/SIPC. Harlan Miller & Associates and Regency Financial LLC are not subsidiaries or control affiliates of WSS. Securities activities are supervised from a WSS office located at 6200 Rockside Rd., Suite 100, Cleveland OH 44131 (888) 401-2980

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