Sample report Example data for 1777 Beach Park Blvd, Foster City, CA 94404. This is exactly how your real report looks.

Refinance Analysis Exported August 4, 2026, 5:39 PM

Coastline Realty Jordan Reyes · Broker

Refinance Analysis

Decision analysis

Refinance Analysis

Compare your current mortgage against a new loan option and see whether refinancing improves your monthly cost and long-term outcome.

Interactive sample

Example home image — Example only - not the real property

1777 Beach Park Blvd, Foster City, CA 94404

Property value: $1,810,000
Current loan balance: $980,000
Property type: Single-family home
Current rate: 7.1%
New rate: 6.2%
Planned stay: 9 years

Prepared Aug 4, 2026 Sample assumptions

Run with your numbers

Verdict

Strong Candidate

Refinancing is projected to save about $640/mo and leave you about $59,881 ahead over your planned 9 years stay.

Confidence: Sample

Key reasons

New monthly housing cost is lower under these assumptions.
Amortization-adjusted break-even is reached in about 1 year, 3 months.
The planned-stay comparison favors refinancing.
The quoted rate is 0.15 points below the market benchmark you provided.
Closing costs are included in the new loan amount.

Monthly P&I savings

+$640/mo Current vs new loan

Monthly payment savings

+$640/mo Housing payment change

Break-even

15 months Amortization-adjusted, about 1.3 years

Planned-stay net benefit

+$59,881 Cash savings + balance impact

Cash due at closing

$0 Estimated upfront

Financed closing costs

$9,800 Added to new loan

Lifetime interest change

-$99,048 Estimated lower interest

Simple payback

16 months Upfront costs / monthly P&I savings

Effective APR

6.24% Quote is 0.15 pts below your market benchmark

Benefit if savings invested

+$83,510 Monthly savings invested at 6.5%

Why this result?

What supports refinancing

Your new P&I payment is lower than the current loan.
Monthly housing cost drops immediately.
Break-even can arrive before your planned move if the timeline holds.
Lifetime interest is lower in this scenario.

What needs caution

Rolled closing costs increase the new loan balance.
Closing costs reduce near-term savings.
Resetting the loan term can hide true cost.
Small quote changes can affect the verdict.

What to verify / next

Lender fees and rate lock details.
Escrow, taxes, and insurance assumptions.
Competing lender quote context.
Updated rate or timeline assumptions.

Scenario comparison

9 years outlook

Current Loan

Current mortgage terms remain in place.

Current P&I: $6,670
Total monthly housing cost: $8,855
Cash due at closing: $0
Cash paid over 9 years: $956,331
Balance after stay: $842,918

Cash paid during stay$956,331

Cash paid over 9 years

$956,331 Current Loan

$887,226 Refinance

$59,881 Advantage

Refinance

The proposed new loan replaces the current mortgage.

New P&I: $6,030
Total monthly housing cost: $8,215
Cash due at closing: $0
Financed closing costs: $9,800
Effective APR (incl. upfront costs): 6.24%
Cash paid over 9 years: $887,226
Balance after stay: $852,143
Benefit if savings invested at 6.5%: +$83,510

Planned-stay net benefit+$59,881

Refinancing is projected to leave you about $59,881 ahead over your planned stay after cash paid and loan balance impact.

Payment breakdown

Current P&I vs new P&I $6,670 -> $6,030 (+$640)

Property tax $1,795 -> $1,795 ($0)

Insurance $390 -> $390 ($0)

HOA $0 -> $0 ($0)

Total monthly housing cost $8,855 -> $8,215 (+$640)

Monthly payment change +$640/mo

Cash due at closing $0

Financed closing costs $9,800

Alternatives to refinancing

Computed with the same amortization engine - options a lender may not volunteer.

Keep loan, prepay $200/mo Payoff 1 year, 1 month sooner, $124,961 less interest

Pay 1 point ($9,898) for 5.9% Stay benefit +$67,282 (better than quote)

Recast: $9,800 to principal + ~$250 fee New P&I $6,705/mo (-$35/mo)

Why compare Same cash, three strategies

What changes the answer

Each range below is the full analysis re-run with that input changed - not an illustration.

A Stay period

+$37,9006 years stay

+$73,45211 years stay

Recomputed planned-stay net benefit across this stay-length range. The verdict holds across this range.

B Closing costs

+$65,090$6,370 costs

+$54,671$13,230 costs

Recomputed planned-stay net benefit across this closing-cost range. The verdict holds across this range.

C New rate +/-0.5

+$104,2355.65% rate

+$15,2516.65% rate

Recomputed planned-stay net benefit across this rate range. The verdict holds across this range.

Decision checklist

Quote details

Lender fees, APR, rate lock, and loan costs should match the Loan Estimate.

Lender comparison

Competing refinance offers can show whether the proposed terms are market-competitive.

Timeline sensitivity

Shorter and longer stay periods can materially change the result.

Lock readiness

The strongest case exists when the result still works after quote verification.

Sample mode uses example assumptions for education only. Changes here are not saved and are not financial, legal, tax, mortgage, insurance, appraisal, inspection, investment, or real estate advice.