Refinance IQ
Analysis Tool
🏠 Current Loan
▲
$
%
yrs
mo
$
🏛️ FHA Details
$
$
Auto-fills at 1.75% — adjust if different
✨ New Loan
▲
Used for prepaid interest & payment skip calculation
%
$
$
Leave blank if no mortgage insurance on new loan
🏦 Monthly Escrow
$
/ yr
$
/ yr
$
/ yr
💡 Costs the borrower pays regardless — reestablishing escrow with the new lender.
💼 Closing Costs
▲
🏛️ FHA Mortgage Insurance
New UFMIP (1.75%)
$
UFMIP Refund Credit
-$
Net UFMIP
$0
📅 Prepaids
Prepaid Interest AUTO
—
Initial Escrow Deposit AUTO
—
2 months taxes + insurance collected at closing as cushion
Total Closing Costs
$0
$
Returned ~30 days after payoff. Not an out-of-pocket cost.
Effective Out-of-Pocket
$0
⏭️ Payment Skip
▲
📅 Uses the Estimated Close Date from the New Loan section.
💳 Debt Consolidation
▲
AccountBalanceMo. Pmt
💡 Eliminated monthly payments are added to your total monthly savings.
👤 Client & Agent Details
▲
Client
🏦 Loan Officer
BrokerOS Profile
✓ Loaded
Loading profile...
💡 Your info auto-loads from BrokerOS Settings. Update it in the dashboard ↗ and it will reflect here automatically.
Enter current loan details and a new rate to see your live analysis.