Your savings are front and center now
When you're deciding whether to refinance, the most important number is how much you'll save each month. Our old calculator buried that number below payment comparisons and fine print. Now it's the first thing you see.
Your potential monthly savings now appear at the top of your rate estimate, with a clear breakdown of your current payment versus your new payment.
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Real rates from the market Your rate quote now pulls from live market data that updates every hour. No more outdated estimates — you see exactly what's available today.
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Mortgage insurance costs included upfront If your loan needs mortgage insurance, that cost is now built into your monthly payment estimate from day one. No surprises at closing.
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Calculator responds as you type Change your loan amount or home value and watch your savings update instantly. The numbers roll like an odometer as they adjust to your situation.
Your application stays on track
Getting stuck during your application — whether from a slow internet connection, a browser refresh, or an error — used to mean starting over or calling support. This week, we added safety nets that keep you moving forward.
If something goes wrong during verification or your session times out, you'll return exactly where you were instead of losing your progress.
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Smoother identity verification Our identity check now handles network hiccups and browser refreshes gracefully. If verification gets interrupted, you'll resume at the right step.
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Better mobile experience Forms now work more reliably on phones and tablets, with improved touch support and fewer layout issues on smaller screens.
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Clearer error messages When something does go wrong, you'll get a plain-English explanation of what happened and what to do next — not a cryptic error code.
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Automatic focus and validation Form fields now highlight automatically as you scroll to them, and validation happens in real-time to catch issues before you submit.
Behind the Scenes
Technical improvements you won't see, but should trust.