Tony Salas
Tony Salas
Mortgage Advisor | Refinance Strategy Specialist

See If Your Mortgage Could Be Costing You $100K+

Compare your current mortgage against a refinance, see the tradeoff between a lower payment and a faster payoff, and find out whether doing nothing could quietly cost you more than you think.

Best for homeowners comparing a rate-and-term refinance and wanting a clearer savings strategy.
Turn-key Tony
1-Minute Mortgage Checkup Run your numbers and see potential savings fast.
Lower Payment vs Faster Payoff Compare monthly relief against long-term interest savings.
Know If It’s Worth It See whether refinancing makes sense before applying.
Personalized mortgage review based on your scenario. No hard credit pull to start.
Clear numbers. Real next steps.

Inputs

Enter your current mortgage and estimated refinance terms. Results compare principal and interest only.

Estimate how many years are left on your current mortgage.
If yes, break-even is estimated because costs are financed instead of paid upfront.
Used to show how extra principal changes payoff timing and interest.
“Refi + Keep Paying Current Amount” means refinancing to the new rate, but continuing to pay your current principal-and-interest amount instead of only making the new minimum payment.

Your Mortgage Checkup

Homeowner Reality Check
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Current Monthly Payment
$—
Interest remaining to term: —
Potential Total Savings
$—
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Estimated Mortgage-Free Age
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Enter age to compare payoff timing
Refi Opportunity Score
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Estimated 3-Year Cost of Waiting
$—
Extra interest over the next 3 years versus refinancing now.
Years Sooner Mortgage-Free
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Compared with staying on your current loan.
Likely Best Fit
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Based on the strongest mix of savings and timing.
Want to see the loan strategy that creates this result?
Tony can review your numbers and show the exact loan structure that could produce these savings.
✓ No credit check
✓ No obligation
✓ Just a strategy review
If this were your mortgage, what would you do?
Pick the option you’d choose — great for sharing with a spouse or friend.
Enter inputs and calculate
Explore Other Mortgage Strategies
Scenario Required payment Payment change Break-even Savings During Your Timeline Interest to term Estimated lifetime savings Payoff with extra Interest saved from extra
Current (baseline) — — — — — — — —
Lower Payment Refi — — — — — — — —
Refi + Keep Paying Current Amount — — — — — — — —
In the “Refi + Keep Paying Current Amount” option, your required new minimum payment may be lower, but this scenario assumes you keep paying your current principal-and-interest amount to accelerate payoff.
Payment comparisons are principal-and-interest only. Taxes, insurance, escrow, mortgage insurance, and future rate changes are not included.

Interest Comparison

Interest if you keep your current loan
$—
Interest with Refi + Keep Paying Current Amount
$—
Potential interest saved
$—

Rate Insight

Estimated break-even refinance rate
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If rates fall below this level, refinancing may become financially beneficial.

Mortgage Freedom Age

If you keep your current loan
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If you refinance and keep paying your current amount
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Potential savings available.
Mortgage Checkup Result
You could save — and pay off faster.
Turn-key Tony
Refinance Strategy Specialist
Current Payment
$—
Potential Total Savings
$—
Interest Saved
$—
Mortgage Freedom
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Result
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Run your own mortgage checkup
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