Save Thousands on Your Mortgage
Get a personalized 0–100 Refinance Score that weighs rate savings, break-even timing, market conditions, and remaining loan term — so you walk into lender conversations informed and confident.
Your Refinance Score
Potential Savings
Over loan lifetime
Monthly Payment Reduction
Starting immediately
Everything You Need to Make Smart Refinancing Decisions
Powerful tools and insights that help you save money and refinance with confidence.
Instant Refinance Analysis
Get instant refinance analysis with our proprietary scoring system. See exactly how much you could save.
Track Up to 5 Loans
Monitor and manage up to five loan records in one place, each with its own personalized Refinance Score.
Market Intelligence
Up-to-date mortgage rate tracking and market context to help you understand whether now is the right time to refinance.
Break-Even Analysis
Know exactly when your refinance will pay off with detailed break-even calculations.
Mobile App
Track your refinance opportunities on the go with our iOS and Android apps.
Bank-Level Security
Your data is protected with enterprise-grade encryption and security protocols.
How RefinanceIQ Works
Get personalized refinancing insights in just a few simple steps.
Enter Your Loan Details
Input your current mortgage information including balance, rate, and remaining term. Takes less than 2 minutes.
Get Your Refinance Score
We weigh your situation against current market conditions and calculate your personalized 0–100 Refinance Score.
Review Your Recommendations
See detailed savings projections, break-even analysis, and personalized timing recommendations.
Take Action With Confidence
Use our insights to negotiate with lenders or connect with our partner network for competitive rates.
Our Proprietary Refinance Score
A comprehensive 0-100 score that evaluates your refinancing opportunity based on multiple factors.
Score Interpretation
Excellent opportunity - refinancing is highly recommended
Favorable conditions - worth serious consideration
Moderate opportunity - depends on your goals
Better to hold off - monitor for improved conditions
What We Analyze
We continuously monitor market conditions and refresh your score, ensuring you always have an up-to-date recommendation.
Trusted by Thousands of Homeowners
See what our users are saying about their refinancing experience.
“RefinanceIQ saved me $42,000 over my loan lifetime. The break-even analysis showed me exactly when refinancing would pay off.”
Sarah M.
Homeowner, California
“Finally, a tool that makes refinancing decisions simple. The refinance score gave me confidence to pull the trigger.”
Michael T.
First-time Refinancer, Texas
“Comparing the 30-year and 15-year scenarios made the trade-offs clear. I picked the option that fit my goals.”
Jennifer L.
Homeowner, Florida
Frequently Asked Questions
Got questions? We've got answers.