Should I Refinance? | AI-Powered Analysis
Step 1 of 10

Should You
Refinance?

AI-Powered Rate Analysis

Our AI analyzes live market rates, your current loan, and financial profile to determine if refinancing makes sense for you.

What type of refinance are you interested in?

🔴 Live Rates • 🤖 AI-Powered • Free Analysis

Current Loan Type

What kind of loan do you have now?

Current Loan Details

An estimate is fine

Current Mortgage Balance
$350,000
$10K$2M
Home Value
$450,000
$10K$2M
Time in This Loan
1.5 years
6 mo20 yrs

Rate & Credit

This helps us find your best options

Current Interest Rate
7.00%
1.75%10%
Credit Score
695
400800+

AI Analyzing Your Profile...

Calculating LTV, payment structure, and MI eligibility

Confirm Your Payment

We calculated your estimated P&I payment

Estimated Monthly P&I
$2,329
Principal & Interest only
(excludes taxes, insurance, MI)
Not quite right? Edit manually

We'll use this to calculate your potential savings

Building Your Refi Plan...

Fetching live market rates...

Connected to Federal Reserve Data

Your Refinance Analysis

✓ Yes, Refinance Makes Sense
7.00%
Your Rate
→
6.25%
New Rate*
Monthly Savings
$186
per month lower payment
$2,232/year in your pocket
Payment Comparison
Current
$2,329
→
New
$2,143
Breakeven Analysis
38
months to recoup closing costs

After 38 months, you're saving money every month

Key Insights

Based on your profile, refinancing could save you significant money. Lock in today's rates before they change!

💡 This could look even better!
You may qualify for special incentives or lender credits. Submit your info to get a personalized quote.

*Rate shown is estimated based on current market conditions and your profile. Final rate subject to full application and underwriting.

Get Your Personalized Quote

A refinance specialist from Lesser Lending will reach out with your custom rate options

Please fill in all fields with valid information.

Your information is secure and never shared

You're All Set!

A refinance specialist from Lesser Lending will contact you shortly with your personalized rate options.

Need to speak with someone now?

(509) 749-8587

Lesser Lending Group DBA Canopy Mortgage, LLC offers a transparent mortgage experience supported by modern tools and real people.

My Contact

11917 E Broadway Ave STE 201

Spokane Valley, WA 99206

Business Hours:

Mon-Fri 8am-5pm

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Lesser Lending Group is a DBA of Canopy Mortgage, LLC © 2026. All Rights Reserved. (509) 749-8587 NMLS #189561 | Licensed in WA and ID

Lesser Lending Group DBA Canopy Mortgage, LLC | 360 Technology Court, Suite 200 Lindon, UT 84042 | 877-426-5500 | NMLS Consumer Access #:1359687 | Equal Housing Lender | All loans subject to credit and property approval | Rates subject to change without notice | Calculators are self-help tools. All examples are hypothetical and are for illustrative use only.