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you’re not sure if you’re going to sell or refinance again, you can use the refinance calculator to find out the break-even point. The calculator compares your current mortgage payment with a new loan at a different rate and term, then divides your closing costs by the monthly saving to find the break-even point — how long you must keep the new loan for the refinance to pay off. For example, a 250,000 balance with 25 years left at 6.5% costs about 1,688 a month; refinancing into a new 30-year loan at 5.5% drops the payment to roughly 1,419, a saving near 269 a month. With 4,000 in closing costs, you break even in about 15 months — after the saving is yours.It’s a tool that you can use to compare your current mortgage payment with a new loan at a different rate and term. It’s a tool that you can use to compare your current mortgage payment with a new loan at a different rate and term. It’s a tool that you can use to compare your current mortgage payment with a new loan at a different rate and term. It’s a tool that you can use to compare your current mortgage payment with a new loan at a different rate and term. It’s a tool that you can use to compare your current mortgage payment with a new loan at a different rate and term. It’s a tool that you can use to compare your current mortgage payment with a new loan at a different rate and term. It’s a tool that you can use to compare your current mortgage payment with a new loan at a different rate and term. It’s a tool that you can use to compare your current mortgage payment with a new loan at a different rate and term. It’s a tool that you can use to compare your current mortgage payment with a new loan at a different rate and term. It’s a tool that you can use to compare your current mortgage payment with a new loan at a different rate and term. It’s a tool that you can use to compare your current mortgage payment with a new loan at a different rate and term. It’s a tool that you can use to compare your current mortgage payment with a new loan at a different rate and term. It’s a