Mortgage Refinance Calculator

Considering a mortgage refinance? Quickly calculate your potential monthly savings and refinance break-even point with our mortgage refinance calculator.1

Refinancing can help you lower your monthly payment and achieve your financial goals sooner.

Today’s Mortgage Rates

Select Purchase or Refinance to get started

Purchase Rates
Refinance Rates

Is it time to refinance?

Let’s crunch the numbers! Follow these steps to help get the most accurate estimate.

  1.  
    1

    First, enter your current mortgage info into the Current Loan section.

  2.  
    2

    Plan to take cash out for home improvements or to consolidate debt? Add that number to your New Loan Amount.

  3.  
    3

    Then check today’s mortgage rate. Add the result to New Loan section.

  4.  
    4

    Unsure how to estimate closing costs? Typically, they run between 2-5% of the loan amount. At Axos Bank, we help you save with our $0 lender fee.2 Contact our team for an accurate estimate.

Have questions? Call 888-546-2634. An experienced mortgage specialist is ready to help.

NOTE: Calculators are provided to help you determine how a home loan refinance or a line of credit may affect your budget. The results are estimates only. They do not guarantee available loan terms, cost savings, or tax benefits. Axos Bank does not guarantee your results as determined using this calculator.

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© 2025 Axos Financial, Inc., All Rights Reserved. © 2025 Axos Bank, All Rights Reserved. © 2025 Axos Invest LLC. Member FINRA & SIPC. All Rights Reserved. © 2025 Axos Invest, Inc. All Rights Reserved.

Bank products and services are offered by Axos Bank®. All deposit accounts through Axos Bank brands are FDIC insured through Axos Bank. All deposit accounts of the same ownership and/or vesting held at Axos Bank are combined and insured under the same FDIC Certificate 35546. All deposit accounts through Axos Bank brands are not separately insured by the FDIC from other deposit accounts held with the same ownership and/or vesting at Axos Bank. For more information read Axos Bank’s FDIC Notice.

Advisory services are offered by Axos Invest, Inc., an investment adviser registered with the Securities and Exchange Commission (“SEC”). For information about our advisory services, please view our Form CRS or our ADV Part 2A Brochure, free of charge. Brokerage services and securities products are offered by Axos Invest LLC, Member FINRA & SIPC. YOU MAY FIND MORE INFORMATION ABOUT OUR FIRM ON FINRA’S BROKERCHECK. View the background of this firm, or REVIEW our Form CRS. All cash and securities held in Axos Invest client accounts are protected by SIPC up to $500,000, with a limit of $250,000 for cash. Read more information about SIPC on the SIPC web page.

Securities and other non-deposit investment products and services are not deposits, obligations of or guaranteed by Axos Bank, are not insured by the FDIC or any governmental agency, and are subject to investment risk including possible loss of the principal invested. Past performance of a security does not guarantee future results or success.

Axos Invest LLC, Axos Invest, Inc., and Axos Bank are separate but affiliated companies.

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1Information and interactive calculators are made available to you as self-help tools and are hypothetical and used for informational/illustrative purposes only. The estimates presented in this calculator do not include loan fees or origination fees. It is not binding nor a good faith estimate, as it is not an advertisement presented within the guidelines required by the Truth-In-Lending Act or other pertinent federal regulations. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

2On new first-lien mortgages, Axos Bank will waive its full lender fee for loan amounts of $250,000 and above or reduce its lender fee by $200 for loan amounts of less than $250,000 if deposit account conditions stated below are met. Applicant is responsible for all third-party fees and all prepaid items. To qualify for the lender fee discount, the mortgage applicant or co-applicant must currently own (as a primary or joint owner) or open a new Axos Bank, Axos Bank for Nationwide, or UFB Direct personal deposit account during the mortgage application process AND an available balance of at least $500 must be present in the qualifying personal deposit account at the time the Initial Closing Disclosure for the mortgage is issued. This offer may be modified or discontinued at any time. Please contact an Axos Bank Mortgage Loan Originator for additional details.

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