What matters most
- A smaller payment is not enough on its own — break-even matters.
- If you may move soon, keeping the current loan can be smarter.
- The best refi decisions balance payment, total interest, and time in home.
Best next step
If you already used the calculator, this is the point where you stop browsing and choose an action path. The goal is not perfect optimization — it is the highest-confidence next move with the least wasted time.
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