Model My Scenarios

Run my refinance numbers

— Refinance Scenarios

Know your break-even before you commit.

Rate-and-term, cash-out, or streamline — each carries different math. Nayi models all three scenarios: break-even timeline, monthly delta, total interest saved. No obligation until the numbers make sense to you.

Close environmental shot of a loan officer's desk — hands reviewing a printed rate sheet with annotated numbers, a pen marking figures, warm office tungsten light from the left, papers spread naturally across the surface
Close environmental shot of a loan officer's desk — hands reviewing a printed rate sheet with annotated numbers, a pen marking figures, warm office tungsten light from the left, papers spread naturally across the surface
/ Three Refinance Types

Different programs, different math.

Rate-and-Term

Lower your rate or shorten your term. Nayi models the break-even month so you know exactly when the savings outrun the closing costs.

Cash-Out

Access equity for renovations or debt consolidation. The math includes new payment, LTV ceiling, and total interest cost over the new term.

Streamline

FHA and VA streamlines skip the full appraisal. Faster close, lower cost — Nayi confirms eligibility and runs the net tangible benefit calculation.

The Numbers Side-by-Side

The difference shows up fast.

Current Loan
Refinanced Loan
Monthly Delta

7.25% / $2,340 / mo

6.49% / $2,101 / mo

−$239 / month

Same balance, same term. Break-even at month 19. $44k saved over the life of the loan.

Real numbers, not estimates. Nayi models this for your exact balance, rate, and closing cost scenario.

30-year fixed, $380k balance. $112k in remaining interest at current rate.

Contact Nayi

Same-day modeling. No obligation.

Call 305-814-2423 or submit the form above. Nayi runs your rate-and-term, cash-out, and streamline scenarios and sends you the comparison — you decide from there.