Your Mortgage Rate is Only Half the Story.
When does it make sense to refinance a low-rate mortgage?
When you’re using it to wipe out an 8% car loan and 24% credit card debt.
Stop managing your interest rate and start managing your monthly Cash Flow. Use this private analyzer to see your true liability snapshot in seconds.
Tom Houston
Licensed Mortgage Advisor
Serving Florida Homeowners Since 1997
NMLS #225040 | FL License #LO9924
Cell/Text: 813-601-0964
Office: 813-258-6767 ext. 232
Tom@SimonsLeoni.com
Take the Next Step (No Hard Credit Inquiry Yet)
Start your application to receive a detailed worksheet breaking down estimated rates, closing costs, fees, and projected monthly payment.
A hard credit pull only happens when you’re ready to move forward.
Regulatory Disclosures & Assumptions
This calculator provides a hypothetical financial illustration based solely on user-entered information. It does not represent specific loan terms, credit approval, or an offer to extend credit. The results are provided for educational and illustrative purposes only and do not constitute a loan application, commitment to lend, rate lock agreement, or a formal Loan Estimate (LE) under TRID guidelines.
All loan approvals are subject to credit review, income verification, asset documentation, and satisfactory property appraisal.
Estimated figures assume approximate closing costs and prepaid items of 3% of the new loan amount unless otherwise noted. Actual rates, APRs, payments, settlement charges, and program eligibility may vary based on credit profile, property location, loan program, market conditions, and third-party service providers. Mortgage Insurance (MI), if required, is not included in these estimates.
Rates and terms used in this illustration are for example purposes only and may not reflect current market pricing or the terms for which you may qualify. Final loan terms, rates, APRs, and availability are subject to change without notice.
By submitting this form, you consent to be contacted by Simons & Leoni Home Loans, LLC regarding your inquiry. Your information will not be sold. Consent to receive communications is not required as a condition of loan approval.
Licensing Information
SIMONS & LEONI HOME LOANS, LLC
Licensed by the Florida Office of Financial Regulation • MLD #1529 • NMLS #8768
Licensed by the Georgia Department of Financial & Professional Regulation – Division of Banking • GRMA #21371
Licensed by the Oregon Division of Financial Regulation • NMLS #8768
Licensed by the Washington Department of Financial Institutions • CL-8768
Equal Housing Lender 