Run the math
before anyone runs your credit.
The whole argument, in your own numbers. No signup, no phone number to see the answer. Change anything; the math updates instantly and the link in your address bar carries it.
Your first mortgage
The cash
The refi alternative
*Every figure is a modeling illustration built from the numbers you enter — not a quote, an offer, or available terms.
Keep the first, add a second
Wins- Total monthly payment
- $3,346
- Blended cost of all debt
- 4.50%
- Lifetime interest
- $390,075
Cash-out refinance everything
- Total monthly payment
- $4,093
- Everything repriced at
- 7.25%
- Lifetime interest + costs
- $882,501
Keeping wins by $747/mo
What the math says
Keeping your first mortgage runs $747/mo less than repricing everything, and $492,425 less in lifetime interest.
The deeper answer
Keeping wins $747/moGet my memo →Which program families fit your file
The calculator sees rates. The desk sees your state, how title is held and how you document income, then names the programs that fit and the ones that don't, and why. Your numbers above carry over; five short questions are left.
How do you use the property?
Prefer a person? Text (949) 244-6405 and a licensed broker answers the same business day.
What the calculator can't see
The rate is the easy part.
SE / BANK-STMT Self-employed Tax returns support one line size; 12–24 months of bank deposits often support a much larger one. → NOO / RENTAL Rental property Most bank equity programs turn rentals away outright. The wholesale channel has second-lien programs for them. → TRUST / ESTATE Trust or estate title Trust and probate title stops most lenders before income comes up. There are still real paths. → SUB-680 Bruised credit Non-prime second-lien tiers exist; they are just never advertised where homeowners look. →