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Average refinance closing costs typically run 2% to 6% of the loan amount, or $6,000 to $18,000 on a $300,000 refinance. Duane Buziak breaks down each fee line by line, shows which ones you can shop or negotiate, and walks through the break-even math, including a real example that recovers $6,000 in costs in month 31, so you can decide whether refinancing pays off.
A free nmls lookup mortgage lender check takes about ten minutes and confirms that your lender and loan officer are licensed in your state before you share sensitive documents. Duane Buziak walks through each step of NMLS Consumer Access, from reading individual and company records to reviewing regulatory actions, so your refinance savings are protected.
A practical guide to mortgage rate higher than current rates.
Does prequalification affect credit score? Learn when a soft credit pull is safe, when a hard inquiry applies, and how to shop a mortgage confidently.
Duane Buziak, NMLS #1110647, breaks down seven refinance-based ways to tap home equity without a reverse mortgage, giving seniors a practical senior citizens reverse mortgage alternative. Each option includes hypothetical payment and break-even examples with trade-offs, so homeowners can compare cash-out refinance, HELOC, and other choices side by side before committing.
Self-employed borrowers face income swings, tax write-offs, and business debt that complicate approval, so the program you choose matters. This guide from Duane Buziak, NMLS #1110647, walks through seven strategies for small business owners refinance programs in 2026, with a break-even example, to help you qualify for a lower home mortgage rate.
No impact credit score mortgage prequalification lets homeowners see realistic refinance numbers using a soft pull, with no damage to their score. Duane Buziak, NMLS #1110647, explains how to tell a true soft pull from a hard one, run the break-even math, and know when a hard inquiry actually happens.
Mortgage prequalification readiness guide for organizing credit, income, cash, and documents before a soft-pull mortgage conversation with a local broker.
What is mortgage refinancing? Duane Buziak (NMLS #1110647) explains how replacing your home loan works using real amortization math, including a $300,000 example that drops a payment by about $197 a month. The guide covers rate-and-term, cash-out, and streamline refinances, the process from pre-qualification to closing, costs, and the break-even test for deciding if it fits.
This step-by-step guide from licensed mortgage broker Duane Buziak shows how to use a mortgage refinance calculator with closing costs to find your true monthly savings, break-even month, and five-year net. A worked $320,000 example (all figures illustrative, not quotes) shows why a payment-only calculator can overstate the benefit of refinancing.
