What is a Refinance Analysis — and Why It Matters 

With interest rates, home values, and personal finances constantly changing, it’s smart to regularly evaluate whether your current mortgage still aligns with your goals. That’s where a refinance analysis comes in — it’s a financial wellness tool that can help homeowners understand their options and avoid leaving money on the table. 

A refinance analysis is a review of your current mortgage loan, compared against current market conditions and your personal financial objectives. The goal is to determine whether refinancing your home loan could offer meaningful benefits — like lowering your monthly payment, shortening your loan term, reducing interest over the life of the loan, or tapping into your home’s equity for major expenses like renovations, education, or debt consolidation. 

But just as important as identifying opportunities is understanding when not to refinance. For example, if the costs outweigh the potential savings, or if you plan to move soon, staying in your current loan might be the better option. A refinance analysis helps you see the full picture — including potential savings, trade-offs, and breakeven timelines — so you can make informed decisions based on facts, not guesswork. 

For homeowners, especially those navigating changing life stages or financial goals, this kind of review can be a valuable part of long-term planning. 

Through your Employee Homeownership Program, you have access to a refinance analysis at no charge to you. It’s a smart way to evaluate your mortgage options and get clarity on whether refinancing could improve your financial situation. 

Ready to explore your options? 

Reach out to your Employee Homeownership Program to schedule your free refinance analysis and take the guesswork out of one of your biggest financial decisions. 

SupportSquad@AdvantageHomePlus.com | (800)511-2197 

The information contained and the opinions expressed in this article are not intended to be construed as investment advice. Advantage Home Plus does not guarantee or warrant the accuracy or completeness of the information or opinions contained herein. Nothing herein should be construed as investment advice. You should always conduct your own research and due diligence and obtain professional advice before making any investment decision.