Does refinancing make sense right now?

Hi there. I wanted to touch base about refinancing—what it really costs, and when it actually pays off.

National Mortgage Rates · August 13, 2026

30-Year Fixed

6.67%

FHA 30-Year

6.46%

VA 30-Year

6.36%

Source: Freddie Mac PMMS & Optimal Blue via FRED

Rates shown are national averages and are provided for informational purposes only. Actual rates vary based on credit profile, loan amount, and market conditions. Please contact us for a personalized rate quote.

Refinancing Basics

When refinancing makes sense for your situation

Refinancing isn't one-size-fits-all, and it's not always the right move. The real question is whether the benefits—a lower rate, shorter loan term, or switching from adjustable to fixed—outweigh the costs and time it takes to break even. Some homeowners see a payoff in months; others need years. The math depends on your specific loan, how long you plan to stay in your home, and where rates sit today. That's why it's worth having a real conversation about your goals before deciding. If you're curious whether refinancing could work for you, I'm happy to walk through the numbers and help you understand what it would actually look like.

Let's talk about whether refinancing fits your plans—reach out anytime.

Tip of the Week

If your credit score is below 740, even small improvements before applying for a mortgage can save you thousands over the life of the loan.

Tips for Homeowners

Weatherproofing Your Home Before Winter

1.	Clean your chimney if you have a fireplace. The National Fire Protection Association recommends annual inspection and cleaning to prevent chimney fires.

2.	Check attic insulation and ventilation before winter. Inadequate insulation leads to heat loss, higher energy bills, and ice dams on the roof that can cause significant damage.

3.	Inspect weatherstripping on all exterior doors. A simple dollar-bill test works: close the door on a bill — if you can pull it out easily, your weatherstripping needs replacing.

Have questions about how any of this affects your mortgage or home purchase? We're here to help — reach out to the Keivon Behnamzad team any time and we'll walk you through your options.

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