If you are going from a fixed mortgage to another fixed (normally a 30 year fixed to 30 year fixed) then, with my help if needed, you can calculate (down to the penny and to the month) how much time and money you will save.

I say “will” save because you will ALWAYS save both time and money as long as you meet all the conditions discussed in the main No Cost Refinance page.

If you are going FROM or TO an ARM mortgage then unfortunately no definite numbers can be calculated because we don’t know what interest rate adjustments your current ARM would have experienced had you kept it, and also we have no way of knowing what new adjustments your ARM may experience in the future.

Whether you’ll feel more comfortable reducing your risk by moving from an ARM into a FIXED mortgage is a different conversation. Call me if you’d like to discuss.