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Refinancing Decisions

Compare mortgage refinance offers and calculate when closing costs pay off.

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Refinancing Decisions

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Payments are generally non-refundable after access is activated, including for disliked, inaccurate, or unsuitable responses. Cancellation stops future renewals; it does not request a refund. Your legal rights still apply. Read the billing and cancellation policy

Plan facts, refunds, and privacy
  • Agents provide AI-generated text assistance. They do not send messages, connect to your accounts, process uploaded files, or create finished media files.
  • Usage limits and service availability apply. Access does not promise unlimited use or guaranteed results.
  • Chat connection safeguard: 50 counted session openings per account, shared across Agents. The counter resets one hour after the last counted opening.
  • At the limit, another session opening is refused until the counter resets. An unsuccessful connection attempt can still count.
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  • A refused opening does not add to the count or extend its reset. When the reset time is available, the workspace shows when to try opening the Agent again. The connection safeguard does not specify how many useful drafts or messages a subscription includes.
  • Manage future renewals in Account & Billing → Subscriptions. Cancellation and a refund are different actions.
  • Payments are generally non-refundable after access is activated, including for disliked, inaccurate, or unsuitable responses. Cancellation stops future renewals; it does not request a refund. Your legal rights still apply.
  • Your prompts and relevant context are sent to the enabled AI service to generate a response. Avoid confidential, regulated, highly sensitive, or unnecessary personal information. Retention and deletion depend on the service and provider; read the Privacy Policy before sharing work.
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Billing & Cancellation · Privacy Policy · Terms of Use

For homeowners weighing a new mortgage against their current loan, compare monthly payments, total interest, and closing costs using the numbers you enter. Calculate the break-even month and see how different loan terms or cash-out amounts change the cost. Leave with a side-by-side comparison and a list of questions to ask lenders.

What it writes

  • Side-by-side refinance cost comparison
  • Monthly payment and break-even calculation
  • Questions to ask your lender

How to use it

Include your current balance, interest rate, remaining term, estimated home value, and each offer’s rate, term, and closing costs. Add your expected time in the home to compare break-even timing against your plans.

This workspace provides text assistance.

What you bring

  • Current balance, rate, and remaining term
  • New rate, term, and closing costs
  • Cash-out amount, if applicable
  • Know your current loan balance

A good fit for

  • Considering a lower rate but unsure when closing costs pay off
  • Comparing a 15-year refinance with keeping a 30-year loan
  • Checking whether cash-out refinancing fits a home renovation budget

Ways to start

A few requests this Agent can handle.

My balance is $280,000 at 6.8% with 24 years left. A lender quoted 5.9% for 30 years and $6,200 in closing costs. Compare the total cost and break-even point.

I owe $195,000 at 6.4% and have 22 years left. Compare refinancing to 5.7% for 20 years with $4,800 in costs against keeping my current loan.

I owe $310,000 and need $35,000 for renovations. Compare a cash-out refinance at 6.2% with $7,000 in costs to a home equity loan at 8.1%.

What this Agent does not do

It does not carry out actions in other applications.

  • Not a substitute for mortgage or financial advice
  • Not for comparing home-purchase loans
  • Cannot check live lender rates or loan offers
  • Calculations depend on the numbers you enter

Choose where you want to work

Ai-GEN Agents
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GPTs on ChatGPT
GPT links open on ChatGPT. OpenAI’s account, access, and usage requirements apply separately. An Ai-GEN purchase does not include a ChatGPT subscription.
Skills
Skills are coming soon and are not included in these Agent offers.

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What happens after payment?

Checkout creates or uses your Ai-GEN account. Once your payment is confirmed, you can start using your Agent. Open it from your order confirmation or account. Choose a starter task, add your inputs, and send your first request.

Can I cancel?

Yes. Manage cancellation under Account & Billing → Subscriptions. Review the status and cancellation details shown there before confirming.

What if the response is not right for me?

Payments are generally non-refundable after access is activated, including for disliked, inaccurate, or unsuitable responses. Cancellation stops future renewals; it does not request a refund. Your legal rights still apply. Read the billing and cancellation policy

Can I use the response in my work?

Use it as a draft to review and adapt. Verify calculations, facts, rights, and suitability before relying on it. Do not provide information you do not have permission to share.

Can I paste work or client information?

Your request and relevant context are sent to the enabled AI service to generate a response. Use placeholders and share only the minimum information you have permission to send. Avoid confidential, regulated, highly sensitive, or unnecessary personal information; removing names alone does not make restricted material suitable. Review the Privacy Policy before sharing work

What if I have paid but cannot open the Agent?

Sign in with the account used for the purchase and review your existing order in Account & Billing. Contact support with your account email, order number, Agent name, and a short description of the issue before buying again. Do not send passwords, payment-card details, or confidential prompts. Contact support

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