If you're 5+ years into your mortgage, refinancing back into a fresh 30-year term isn't the win it looks like.
Early in any loan, most of your payment is interest — and a new 30-year term resets you right back to that same interest-heavy stretch, even at a lower rate.
The better move: ask for a 20 or 25-year term instead.
Slightly higher payment, but you keep the equity progress you've already made and pay off your home years sooner.
Before you refinance, run the real numbers — not just the rate.
📲 Text me to run your numbers before you refi. 480.553.8770
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