Refinance & Payoff
Bi-Weekly Payment Calculator
Give payment-conscious buyers a reason to talk about total cost, not just the monthly number.
Refinance & Payoff
Refinance and mortgage payoff calculators for homeowners and past clients
Your past clients will refinance with someone. These calculators make sure the question comes to you first.
Free plan, no card. Paid plans include a 14-day trial.
The Refinance & Payoff section serves people who already own a home: rate-and-term refinance, cash-out refinance, debt consolidation, recast, extra payments and biweekly schedules for new and existing loans. LOs use these tools to re-engage their database and catch homeowners searching for refinance answers, with the current loan details attached to every lead.
Refinance & Payoff
Biweekly Payments for an Existing Mortgage
A useful, no-pitch tool to send your database that quietly tells you which homeowners are paying attention to their loan.
Refinance & Payoff
Cash-Out Refinance Calculator
Equity leads that arrive knowing their LTV are easier to qualify than ones that only clicked "get cash now".
Refinance & Payoff
Extra Payment Calculator
The one calculator where borrowers volunteer how much spare money they have each month.
Refinance & Payoff
Mortgage Debt Consolidation Calculator
The rare lead form where a homeowner hands you their monthly debt load before the first call.
Refinance & Payoff
Mortgage Recast Calculator
Stay useful to the homeowner with a rate too good to refinance, and to the buyer waiting on a sale.
Refinance & Payoff
Refinance Calculator
When rates drop, send your database a tool that tells you which homeowners actually come out ahead.
Where should refinance and payoff calculators appear?
Most of these calculators work best in front of people you already know, plus homeowners searching for answers.
| Calculator | Borrower question it answers | Where an LO should embed it |
|---|---|---|
| Refinance | Will a new rate save me enough to be worth the costs? | Refinance page, rate-drop emails and texts to past clients |
| Cash-Out Refinance, Debt Consolidation | How much cash can I take out, and does rolling in my debts lower my monthly outlay? | Cash-out and debt-consolidation pages, home-improvement content |
| Mortgage Recast | If I pay a lump sum, how much does my payment drop? | Past-client newsletter, move-up buyers who sold a previous home |
| Extra Payment, Bi-Weekly, Biweekly for an Existing Mortgage | How much interest and time do I save by paying more often or more? | Closing gift email, annual loan review, homeowner blog posts |
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How do refinance calculators help you work your database?
They give you a reason to reach out that is about the client's numbers, not your pitch. Send past clients a link to the refinance calculator when rates move; the ones who run it tell you their balance, rate and goal. Those who submit are ready to talk.
Payoff calculators keep you in touch the rest of the time. An extra payment calculator in an annual review email is useful even when refinancing is not, and the leads it produces show who has spare cash flow, often the next move-up buyer.
Show the costs, not just the savings
A refinance or cash-out has closing costs and may restart the term. Make sure your follow-up covers the break-even point and total cost, and never promise a rate before you have priced the loan.
FAQ · 6 questions
Questions loan officers ask
Which refinance calculator should go in a rate-drop campaign?
The refinance calculator. It compares the current loan to a new rate and term, including closing costs, so the borrower sees the monthly change and how long it takes to break even.
When should I use the cash-out calculator instead of the HELOC calculator?
Use cash-out when the borrower would replace the first mortgage, often when the new rate is similar or better. Use the HELOC calculator when keeping a low first-mortgage rate matters. Many LOs offer both on an equity page.
Are payoff calculators worth embedding if they don't lead to a new loan?
Yes, as relationship tools. They keep your name in front of past clients, and the leads show who has cash flow or equity, useful when a move-up purchase or refinance comes up later.
What does a mortgage recast calculator tell the borrower?
How much the monthly payment drops if they pay a lump sum and the servicer re-amortizes the remaining balance. It suits buyers who sold a previous home after closing on the new one.
Can I send refinance leads to a different HighLevel pipeline?
Yes, on Producer and Brokerage plans. Per-calculator webhooks let you route refinance and cash-out leads to their own workflow, separate from purchase leads.
Do debt consolidation leads raise compliance concerns?
They can. Keep messaging factual, show total cost as well as monthly savings, and avoid suggesting debt relief. Check your advertising with your compliance team.
PrequalFunnel
Your next borrower is already on your site.
Give them the numbers they came for, and get the lead with those numbers attached.
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