Play Call
Lower monthly payment
Restructure the rate or term to change monthly cash flow. Whether this is possible depends on current pricing and your loan profile.
Refinance
Is it time to call a new play?
A refinance only makes sense when the full structure makes sense. We review the numbers honestly — including when the answer is to stay put.
The Objectives
Potential refinance goals
Play Call
Shorter loan term
Move from a longer term to a shorter one to change total interest paid over the life of the loan.
Play Call
Cash-out
Access equity for renovations, reserves, or other objectives, subject to loan-to-value limits and qualification.
Play Call
Remove mortgage insurance
Depending on equity, loan type, and guidelines, a restructure may remove monthly mortgage insurance.
Play Call
Debt consolidation
Combine higher-cost debt into the mortgage. This moves debt, changes the collateral, and may extend the repayment period.
Play Call
Restructure existing financing
Combine a first and second lien, exit an ARM, or reset the loan around your current goals.
The Scoreboard
Current mortgage vs. proposed structure
We put your existing loan next to the proposed one and read every line — including the total cost of getting there.
Current Loan vs. Curb 31 Proposal
Live pricing not shown
CategoryCurrent LenderCurb 31
- Interest Rate— —— —
- APR— —— —
- Points— —— —
- Lender Fees— —— —
- Estimated Monthly Payment— —— —
- Cash to Close— —— —
Interest Rate
Current Lender— —Curb 31— —APR
Current Lender— —Curb 31— —Points
Current Lender— —Curb 31— —Lender Fees
Current Lender— —Curb 31— —Estimated Monthly Payment
Current Lender— —Curb 31— —Cash to Close
Current Lender— —Curb 31— —
Don't listen to the commercial.
Look at the scoreboard.
Your side-by-side numbers are completed with you during your Film Study. Curb 31 does not guarantee the lowest rate — we ask for the chance to compete.
Refinancing may increase the total cost of your loan over its life, extend your repayment period, or change your total interest paid. Consolidating unsecured debt into a mortgage secures that debt against your home. Curb 31 does not promise savings; results depend on borrower qualification, property eligibility, market conditions, and timing.
Before you lock, let Curb 31 compete
Should you refinance? Let's read the film.
Upload a Loan Estimate, book a mortgage strategy review, or start an application. Three plays — pick one.
No obligation to switch lenders simply by requesting a comparison.