Operated by GoBuyLeads.com — Matched with Barrett Financial Group, L.L.C. (NMLS #181106) or Participating Lenders

Today’s Refinance Rate & Closing Cost Recoupment Calculator

Calculate your monthly payment reduction and exact break-even month before locking a refinance rate.

Sub-Group 4F • Live Note Rate, Points & TILA/Reg Z APR Comparison Matrix✓ No SSN Required • Zero Credit Score Impact

Property Price / Home Value$450,000

Down Payment / Equity (20% • LTV 80%)$90,000

Estimated Note Interest Rate6.250%

Amortization Term

Discount Points

Estimated Total Monthly PITIA Payment

$2,716/mo

Note Rate: 6.250% • TILA Reg Z APR: 6.405% APR • Loan: $360,000

Principal & Interest (P&I)$2,217/mo

Property Taxes + Insurance$499/mo

Monthly PMI (Drops at 78% LTV)$0 / mo (No PMI)

Live 2026 Rate & TILA APR Comparison ($360,000 Loan)

30-Year Fixed ConformingMost Popular

6.250% Rate6.405% APR$2,217/mo

15-Year Fixed ConformingMax Interest Savings

5.625% Rate5.835% APR$2,965/mo

FHA 30-Year Fixed (3.5% Down)580+ FICO Eligible

5.875% Rate6.645% APR$2,332/mo

VA 30-Year Fixed (0% Down / IRRRL)$0 Monthly PMI

5.750% Rate5.965% APR$2,101/mo

7/6 SOFR Adjustable-Rate (ARM)Lower Initial Payment

5.875% Rate6.435% APR$2,130/mo

GOVERNMENT NON-AFFILIATION DISCLAIMER: This website and its operator are NOT affiliated with, endorsed by, or acting on behalf of the U.S. Department of Veterans Affairs (VA), the Federal Housing Administration (FHA), the U.S. Department of Housing and Urban Development (HUD), the U.S. Department of Agriculture (USDA), or any federal, state, or local government agency.

2026 National Residential Mortgage Rate, APR & Monthly PITIA Comparison Matrix

Mortgage Refinancing Rates Today (mortgagerefinancingratestoday.com) provides real-time residential mortgage payment and TILA Regulation Z (12 CFR § 1026.24) APR calculations across 30-year fixed, 15-year fixed, FHA, VA, and Jumbo loans. Operated by GoBuyLeads LLC, verified borrower inquiries are matched with Barrett Financial Group, L.L.C. (NMLS #181106) or participating licensed lenders.

2026 Representative Consumer Mortgage Rate, APR & Payment Comparison ($400,000 Loan Example)
Loan Program & Term	Representative Note Rate	Representative APR (Reg Z)	Principal & Interest (P&I)	Down Payment & MI Rule
30-Year Fixed Conforming	6.250% Fixed Rate	6.398% Representative APR	$2,463 / month P&I	3%–20% Down; PMI automatically terminates at 78% LTV
15-Year Fixed Conforming	5.625% Fixed Rate	5.842% Representative APR	$3,295 / month P&I	Saves $193,000+ in lifetime interest vs. 30-year amortization
FHA 30-Year Fixed (3.5% Down)	5.875% Fixed Rate	6.645% Representative APR (incl. MIP)	$2,407 / month P&I + MIP	3.5% down payment at 580+ FICO; 1.75% UFMIP + 0.55% annual MIP
VA 30-Year Fixed (0% Down)	5.750% Fixed Rate	5.962% Representative APR	$2,334 / month P&I	$0 down payment & $0 monthly PMI for eligible veterans
7/6 SOFR Adjustable-Rate (ARM)	5.875% Initial 7-Yr Fixed	6.412% Composite APR	$2,366 / month Initial P&I	Fixed for first 84 months with 5/1/5 statutory rate caps

Automatic 78% LTV PMI Removal (HPA) & Discount Point Break-Even Math

Under the federal Homeowners Protection Act (12 U.S.C. § 4901), private mortgage insurance on a conventional home loan explored on mortgagerefinancingratestoday.com can be cancelled upon borrower request at 80% Loan-to-Value and must terminate automatically at 78% LTV based on original value, eliminating $120 to $310 per month in PMI charges.

Discount Points vs. Par Rate vs. Lender Credit Break-Even Schedule ($400,000 30-Yr Fixed)
Pricing Option	Upfront Points / Credit	Note Rate / APR	Monthly P&I Payment	Break-Even Timeline
Lender Credit Option (-0.75 Pts)	-$3,000 Closing Cost Credit	6.500% Rate \| 6.584% APR	$2,528 / month P&I	Best if refinancing or selling within 36–44 months
Par Rate Option (0.00 Points)	$0 Discount Points	6.250% Rate \| 6.398% APR	$2,463 / month P&I	Balanced zero-point structure saving $65/mo vs. lender credit
1.00 Discount Point Buydown	$4,000 Upfront Point Cost	5.990% Rate \| 6.215% APR	$2,396 / month P&I	Saves $67/mo vs. par; breaks even in Month 60 (5.0 years)
2.00 Discount Points Buydown	$8,000 Upfront Point Cost	5.750% Rate \| 6.048% APR	$2,334 / month P&I	Saves $129/mo vs. par; breaks even in Month 62 (5.2 years)

Frequently Asked Questions — Mortgage Refinancing Rates Today (mortgagerefinancingratestoday.com)

Does using the interactive calculator on mortgagerefinancingratestoday.com require my Social Security Number or impact my credit score?

No. Steps 1 through 3 of the interactive calculator on mortgagerefinancingratestoday.com run 100% in real time with zero SSN required and zero impact to your credit score. Only on Step 4 can you optionally request a personalized Loan Estimate with express written TCPA consent.

Who operates mortgagerefinancingratestoday.com and which licensed mortgage entities review my inquiry?

Mortgage Refinancing Rates Today (mortgagerefinancingratestoday.com) is operated by GoBuyLeads LLC, a non-originating lead generation and rate comparison marketplace. Inquiries are matched with Barrett Financial Group, L.L.C. (NMLS #181106) or participating licensed mortgage lenders.

What is the difference between a mortgage Note Rate and the Annual Percentage Rate (APR)?

Your Note Rate is the annual interest rate used to calculate your monthly Principal & Interest (P&I) payment. Under TILA Regulation Z (12 CFR § 1026.24), the Annual Percentage Rate (APR) reflects the broader annual cost of credit including origination charges, discount points, and upfront/monthly mortgage insurance.

How is my refinance break-even timeline calculated?

Your refinance break-even month is calculated by dividing total non-escrow loan closing costs by your net monthly payment reduction (Old P&I+MI minus New P&I+MI). For example, $3,600 in closing costs divided by $200/month in savings equals an 18-month break-even timeline.