Should you refinance? Find out in three minutes.

When the monthly savings pay back the closing costs well before you expect to sell or refinance again. I work out that break-even point with you before you commit to anything.

A new, larger loan that pays off your current mortgage and gives you the difference in cash. People use it for renovations, to pay off higher-interest debt, or for large expenses. It also means a bigger balance, so do it for the right reason.

No. The check on this page doesn't pull your credit. A credit check only happens later, if you decide to apply.

Yes. Both have streamlined refinance options, the VA IRRRL and the FHA Streamline, which can mean less paperwork. I'll check whether your loan qualifies.

Closing costs depend on the loan size, the lender and the state. You'll get an itemised Loan Estimate up front, so you can see the break-even before you decide.