Your mortgage refinance decision, scored in minutes
See whether refinancing now could save you money or whether waiting may be smarter. RefinanceIQ gives you a personalized refinance score based on savings, costs, break-even timing, and current market conditions.
Refinancing is not just about getting a lower rate.
A lower interest rate does not always mean refinancing is the right move. Closing costs, loan term, monthly savings, break-even timing, and how long you plan to stay in the home all affect whether refinancing actually saves money.
RefinanceIQ helps you see the full picture before making a decision.
Lower rates can still cost you money
A refinance may reduce your monthly payment but extend your loan term or add closing costs that take years to recover.
Timing matters
Acting too early may mean missing a better opportunity later. Waiting too long may mean losing savings that were already available.
Lender quotes can be hard to compare
Different fees, points, terms, and payment structures make it difficult to know which offer is truly better.
See your refinance opportunity at a glance
Your Refinance Score gives you a simple 0–100 view of whether refinancing may be worth exploring based on your numbers and current market conditions.
Your Refinance Score
Potential Savings
Over loan lifetime
Monthly Payment Reduction
Starting immediately
How the Refinance Score works
The Refinance Score is designed to simplify a complex decision. Instead of looking only at the interest rate, RefinanceIQ evaluates the factors that usually determine whether a refinance makes financial sense.
Score Factor 1
Rate SavingsWe compare your current mortgage rate against potential refinance rates to estimate whether the new rate creates meaningful savings.
Score Factor 2
Break-Even TimeWe estimate how long it may take for monthly savings to offset closing costs and refinance expenses.
Score Factor 3
Market TimingWe review current market conditions and recent rate movement to help you understand whether now may be a reasonable time to explore options.
Score Factor 4
Remaining Loan TimeWe consider how much time is left on your current mortgage and how a refinance may affect your total repayment timeline.
Built for the questions homeowners actually ask.
Whether you are actively shopping for a refinance or just wondering if it is worth paying attention, BasisPoint Data helps you understand the tradeoffs.
Use Case 1
Should I refinance now or wait?
See whether your current loan, today’s rates, and your estimated break-even point suggest action or patience.
Use Case 2
How much could I save each month?
Compare your current payment against potential refinance scenarios
Use Case 3
Will I actually save money after closing costs?
Estimate how long it may take to recover the cost of refinancing.
Use Case 4
What rate would make refinancing worth it?
Identify the target rate where a refinance may become financially attractive.
Use Case 5
Should I shorten my loan term?
Compare options for reducing interest, changing your payoff timeline, or adjusting your monthly payment.
Use Case 6
How do I compare lender offers?
Use your analysis as a starting point to evaluate loan estimates, fees, points, and payment differences more clearly.
How RefinanceIQ Works
Get personalized refinancing insights in just a few simple steps.
Enter Your Loan Details
Input your current mortgage information including balance, rate, and remaining term. Takes less than 2 minutes.
Get Your Refinance Score
Our AI analyzes your situation against current market conditions and calculates your personalized refinance score.
Review AI Recommendations
See detailed savings projections, break-even analysis, and AI-powered timing recommendations.
Take Action With Confidence
Use our insights to negotiate with lenders or connect with our partner network for competitive rates.
Independent analysis before lender conversations.
RefinanceIQ is designed to help homeowners understand the math before they are sold a loan. We are not here to push you into refinancing. We help you evaluate whether a refinance may make sense based on your current mortgage, estimated savings, closing costs, and timing.
Not a lender
RefinanceIQ does not issue loans, approve mortgages, or set mortgage rates.
Built for decision support
Our tools are designed to help you compare scenarios and understand tradeoffs before making a financial decision.
Your numbers stay your numbers
We are building the platform with secure data handling, privacy-first workflows, and user control over personal information.
Clear assumptions
Your analysis shows the inputs and assumptions used, so you can understand how the recommendation was generated.
Everything You Need to Make Smart Refinancing Decisions
A comprehensive 0-100 score that evaluates your refinancing opportunity based on multiple factors.
Score Interpretation
Excellent opportunity - refinancing is highly recommended
Favorable conditions - worth serious consideration
Moderate opportunity - depends on your goals
Better to hold off - monitor for improved conditions
What We Analyze
Our AI continuously monitors market conditions and updates your score in real-time, ensuring you always have the most accurate recommendation.
Simple, Transparent Pricing
Start for free. Upgrade when you need more powerful features.
Basic
Perfect for exploring your options
- 1 Loan
- 3 refinance calculations/month
- Basic refinance score
- Break-even analysis
- Email support
- No AI predictions
- No rate alerts
- No export features
No long-term commitments. Cancel anytime.
Trusted by Homeowners Like You!
See what our users are saying about their refinancing experience.
“ BasisPoint Data saved me $42,000 over my loan lifetime. The AI predictions were spot-on about when to lock in my rate. ”
Sarah M.
Homeowner, California
“ Finally, a tool that makes refinancing decisions simple. The refinance score gave me confidence to pull the trigger. ”
Michael T.
First-time Refinancer, Texas
“ As a real estate investor with multiple properties, the analytics have been invaluable. Highly recommend. ”
Jennifer L.
Real Estate Investor, Florida
Frequently Asked Questions
Got questions? We've got answers.
No. A lower rate may reduce your monthly payment, but closing costs, loan term, break-even time, and how long you plan to stay in the home all matter. RefinanceIQ helps you evaluate the full picture.
The Refinance Score is a 0–100 estimate that summarizes whether refinancing may be worth exploring based on your current loan, potential savings, estimated costs, break-even period, and market conditions.
No. RefinanceIQ is not a lender and does not issue mortgage loans. The platform is designed to help homeowners understand refinance scenarios before speaking with lenders.
No. Results are estimates based on user-provided information, market data, and stated assumptions. Actual rates, fees, loan terms, and savings may vary.
You can start with basic mortgage information such as your current balance, interest rate, monthly payment, original loan term, estimated home value, and approximate remaining time in the home.
Yes. That is one of the main reasons the tool exists. RefinanceIQ helps you understand the math first, so you can have more informed conversations with lenders.
Yes. You can compare different rates, terms, closing costs, and payment scenarios to better understand which option may be most attractive.
No. RefinanceIQ provides educational analysis and decision-support tools. It is not financial, legal, tax, or mortgage advice. You should review actual loan offers with licensed mortgage professionals before making a decision.