Browser-local screening
Is it worth comparing refinance offers?
Enter a hypothetical candidate rate and costs. Your mortgage numbers stay in this browser and the answer appears before any contact request.
National weekly context—not your quote
Weekly context is temporarily unavailable. You can still enter a hypothetical candidate rate manually.
Optional on-device Loan Estimate reader
Start with a three-page Loan Estimate
The file is read in this browser and is not sent to MortgageWhy. Remove names, addresses, loan IDs, barcodes, and contact details first when practical. Every detected figure remains editable and unconfirmed.
Optional on-device Closing Disclosure reader
Review a final five-page Closing Disclosure
The file is read in this browser and is not sent to MortgageWhy. Remove names, addresses, loan IDs, barcodes, and contact details first when practical. Every detected figure remains editable and unconfirmed.
What this answer does—and does not mean
This is a shopping-readiness screen for a narrow equal-balance fixed-rate case. It is not a lender quote, approval prediction, personalized rate, or advice to refinance. A positive result means only that obtaining comparable actual offers may be worth your time.
Why actual offers still matter
Rates, points, lender credits, fees, mortgage insurance, and lock terms can differ by borrower and lender. Compare Loan Estimates issued on the same day for the same loan amount, type, and term.