About

About RefiBreak

RefiBreak exists for one job: help you see whether a US mortgage refinance pays for itself before you sit in a loan officer’s office.

What we built

A static site. The refinance break even calculator runs entirely in your browser. There is no application, no credit pull, and no “see your rate” funnel. Guides cover when a refinance makes sense, how break-even is calculated, and which closing costs belong in the math.

What we are not

We are not a mortgage lender, broker, bank, or credit counselor. We do not originate loans, set rates, or hold deposits. Nothing on this site is a commitment to lend, a pre-qualification, or personalized financial advice.

How the site is funded

Pages include reserved AdSense placements. Ads are labeled. They do not change the calculator’s formulas. If ads are not configured in this environment, you will see empty reserved slots.

Contact

Questions about the tool or a content correction: contact page.