Mortgage Refinancing  
During the past few years, record numbers of Americans have refinanced their home mortgages as a result of historically low interest rates. This calculator is designed to help you determine whether you should consider refinancing your mortgage.
     

1. What is the principal balance remaining on your current mortgage (from your last statement)?

$

2. What is the annual interest rate on your current mortgage?

%

3. How many years remain on your current mortgage?

4. What will the annual interest rate be on your new mortgage?

%

5. What will the term be (in years) of the new mortgage?

6. What will the loan origination fee and closing costs be (in percentage terms) on the new mortgage? (These are typically charged by the lender to process your loan. 1 point = 1 percent)

%

7. How many discount points (in percentage terms) will you be paying to lower (buy down) the interest rate?

%

8. What other fixed costs (in dollar terms) are there? (such as an appraisal)

$
 
   
   
SagePoint Financial, Inc.
412 S. 14th Street • Ponca City, OK • 74601
Phone: 580 762 1121
Toll Free: 800 352 3890 		• Fax: 580 718 0626
• sbivin@bivinandassociates.com

*Securities and insurance services offered through SagePoint Financial, Inc., Member FINRA/SIPC. This communication is strictly intended for individuals residing in the states of AR, AZ, CA, CO, FL, GA, HI, IL, KS, LA, MO, NE, NJ, NM, ND, OK, OR, TX, and VA. No offers may be made or accepted from any resident outside the specific state(s) referenced.

Investment advisory services offered through Bivin & Associates a registered investment advisor not affiliated with SagePoint Financial.


IMPORTANT CONSUMER INFORMATION
A broker/dealer, investment adviser, BD agent, or IA rep may only transact business in a state if first registered, or is excluded or exempt from state broker /dealer, investment adviser, BD agent, or IA registration requirements, as appropriate. Follow-up, individualized responses to persons in a state by such a firm or individual that involve either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made without first complying with appropriate registration requirements, or an applicable exemption or exclusion. For information concerning the licensing status or disciplinary history of a broker/dealer, investment adviser, BD agent, or IA rep, a consumer should contact his or her state securities law administrator.

 

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