Equity & Debt Management

Don't just watch the interest rate.
Watch your "Blended Rate."

Refinancing isn't just about lowering your mortgage coupon from 7% to 6%. It is about optimizing your total debt structure to increase monthly cash flow.

❌ The "Rate Chaser"

Calls you the second rates drop 0.25%. Tries to sell you a refinance that costs $5,000 in fees just to save you $40/month.

✅ The Debt Architect

I look at your mortgage *plus* credit cards *plus* auto loans. Sometimes, taking a higher mortgage rate to eliminate 24% credit card debt saves you $1,000/month.

When Does Refinancing Make Sense?

📉

The 'Blended Rate' Fix

If you have a 4% mortgage but $30k in credit card debt at 22%, your *real* effective interest rate is high. We consolidate high-interest debt into one tax-deductible payment.

⏱️

The Break-Even Test

I run the math on your 'Recoup Period.' If it costs $3,000 to refinance and you save $200/month, it takes 15 months to break even. If you plan to move before then, I'll tell you NOT to do it.

🔨

Unlock 'Dead Capital'

Equity sitting in your house earns 0% ROI. A strategic Cash-Out Refinance can unlock that capital for renovations (which add value) or to purchase investment property.

Run the Numbers

See if a refinance passes the math test.

🧮

Refinance Calculator

See Savings →

📉

Amortization

View Schedule →

💸

Extra Payments

Pay Off Early →

Should you refinance?

Upload your current mortgage statement. I'll run the audit for free.

Don't just watch the interest rate. Watch your "Blended Rate."