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AUSTIN RATE & HOLDING-PERIOD DESK

Beyond the rate.
Into the real trade-off.

Put points, fees, interest and the exit balance on the same timeline.

YOUR DECISION MAP
  1. 01Set your assumptions
  2. 02See the trade-offs
  3. 03Keep, compare or share

41 tools. One connected workspace.

● Private calculations in your browser

Refinance

Loan-estimate holding-period comparison

Compare fees, points, interest and equity over the same intended ownership period.

Starting values are illustrative scenarios, not local prices, rates, fees or eligibility rules. Enter the figures for your own situation.

YOUR DECISION, IN NUMBERS

METHOD 2026-10-24.3
Offer A monthly P&I$2,275
Offer B monthly P&I$2,217
B borrowing-cost saving during hold$917
Simple payment break-even months61.2
Offer A balance at exit$337,000
Offer B balance at exit$336,014

Not regulatory APR. Sale, refinancing, tax effects and time value are excluded.

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YOUR GOAL FIRST / MITEY

Find a better fit.
For your next move.

Buying, refinancing or financing a business? Tell us what you want to achieve. Ask MITEY to help you understand the options, costs and next steps worth comparing.

01 · AI-assisted, source-linked research02 · Compare the whole cost, beyond the rate03 · Free tools, no credit check to enquire

We aim to help you seek competitive terms. Rates and options depend on the provider, product and your circumstances. A request is not a loan application, approval or guaranteed rate. Any provider introduction requires confirmed availability and your permission.

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About: Loan-estimate holding-period comparison · Austin

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A SMALL CHANGE / A DIFFERENT VIEW

Keep the loan one more year

Offer A monthly P&I

Current scenario$2,275
Changed assumption$2,275

One assumption changes; everything else stays the same. This is a stress scenario, not a forecast.

READ THE RESULT

What the numbers are telling you.

  1. Use matching loan amounts, terms and lock assumptions before comparing prices.
  2. Principal repaid becomes equity. The modeled borrowing cost is interest plus points and entered fees.
  3. A lower monthly payment may take longer than your planned holding period to recover extra upfront charges.
A GOOD QUESTION

Why compare the remaining balance as well as payments?

Two rates can produce different principal repayment during the same holding period. Remaining balances help explain the equity difference; they are not an extra fee.

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YOUR COMPARISON TABLE

Keep the possibilities
side by side.

Save up to eight scenarios on this device. Each retains its own tool and assumptions; outputs from different methods are labeled separately. Download a plan before moving to another browser or independent portal.

No scenarios saved on this device yet.

OPEN METHODS / BETTER QUESTIONS

Understand what the number means.

The calculation

Both offers use equal balances/terms. Compare interest paid during the holding period plus points and lender fees; principal repaid is equity, not a borrowing expense.

Before acting on the result

Not regulatory APR. Sale, refinancing, tax effects and time value are excluded.

Use actual property documents, matching lender estimates and qualified advice where needed. No calculator, API or MCP tool here issues an approval or guarantees a rate.

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