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The Rate Drop Strategy: When to Refinance (And When to Wait)

A free, on-demand training for homeowners who want to lower their monthly payment or shorten their loan term without resetting the clock.

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"Hey, it's Michael Gillani. Rates are moving, and you're probably wondering: 'Is now the right time to refinance?' It's a fair question. But the answer isn't just about the interest rate. It's about your break-even point, your long-term goals, and how long you plan to stay in the home. In this training, I'm going to show you the exact calculation to know if a refinance saves you money or costs you money. Save your spot below."

Disclaimer:

This training is for educational purposes only. All financial decisions should be made in consultation with a qualified professional. DAS Acquisition Company, LLC dba USA Mortgage NMLS #227262. Equal Housing Opportunity.

What You'll Learn

  • The Break-Even Calculation: The exact formula to know if a refinance is worth the cost.
  • Rate vs. APR: What the banks don't tell you about 'no-cost' refinances.
  • Term Reduction: How to switch to a 15-year mortgage without doubling your payment.
  • The 'Reset' Trap: How to refinance without starting your 30-year clock over.

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