REFI SCORE
Does refinance really help?
- Payment delta
- Break-even
- Cash-out cost
PMA Loans: purchase, refinance, and mortgage investment
Check refi!
Luna reads the path
Four signals before the next move
Luna keeps the homepage open and focused, then brings the useful decision points right after the hero.
COMPARE
Refi, HELOC, or HELOAN
- Term
- Rate
- Total cost
EQUITY
Use equity with discipline
- LTV
- Reserves
- Purpose
NEXT
Get a clean scorecard
- Current loan
- Property value
- Goals
The four numbers that matter
Payment
Current vs new
A real side-by-side comparison, not a headline.
Costs
Estimated range
So the savings do not arrive dressed up.
Break-even
Recovery point
The date that helps you say yes or no with confidence.
Income Review
Homeowner magazine
The refinance scorecard
Payment, equity, cash-out, break-even, and when a refinance is not the right move.
Know the numbers before the decision
Income calculation for mortgage loans: W-2, self-employed, 1099, and bank incomeThe best refinance conversation compares the current loan, the new payment, costs, and purpose side by side.
Homeowners
PMA REFI SCORECARD
What you leave with before you decide
A clearer read on the trade-off between rate, payment, costs, and cash out.
Current vs new comparison
See what truly changes in your payment, not just a prettier rate.
Estimated cost range
Enough context to avoid stepping into the conversation blind.
Break-even view
A simple way to decide whether the move fits your timeline.
Cash-out logic
If liquidity matters, we show impact and trade-offs before the paperwork starts.
REAL PROOF
Proof before the scorecard
Public reviews, bilingual support, and a serious advisory process.
5.00
Average rating
Based on public reviews shown on the site.
48
Public reviews
Google, Facebook, and other verified sources when available.
EN / ES
Bilingual communication
Clarity for the client and less friction for the agent or partner.
Google
Mariela Ortiz2024-03-28
HOW IT WORKS
How it works
A short process with less friction and a clearer next step.
1
Book a short review
No endless forms just to see whether the move is worth it.
2
Compare the scenarios
Payment, costs, cash out, and break-even in one view.
3
Get a recommendation
A cleaner answer: move forward, adjust, or wait.
Mortgage calculator
Review your refinance with cleaner numbers
Adjust value, balance, rate, and costs in one view.
PMA Mortgage Calculator
Refinance Calculator
Review balance, cash out, costs, and compare HELOAN, HELOC, or refinance.
Program
Term
years
Appraisal value
$
Current balance
$
Cash out
$
Closing costs
$
Interest rate
%
Property taxes
$
HOI
$
HOA dues
$
Other dues
$
Credit range
Estimated monthly payment
$2,472
Refinance • Conventional • 30-year fixed
PITI
APR 5.123%
P&I$1,728.13
Taxes$442.71
Insurance$301.04
Appraisal value
$425,000.00
Current balance
$320,000.00
Cash out
$0.00
Closing costs
$4,500.00
Loan amount
$324,500.00
Principal and interest
$1,728.13
Interest rate
4.930%
Estimated APR
5.123%
Taxes per month
$442.71
Insurance per month
$301.04
Loan insurance per month
$0.00
HOA per month
$0.00
Other dues per month
$0.00
LTV
76.353%
Estimated equity
$100,500.00
Annual mortgage insurance rate
0.000%
Lender / LOS paths
Simulated matrix v2026-07-02. Verify guidelines, pricing, lock and underwriting before quoting.
UWM
UWM
Agency speed • FHA/conventional • Broker workflow
Sim adj.: -0.08%LTV max 97%FICO min 5801-3d
The Loan Store
TLS
Agency • Non-QM fallback • HELOC/second-lien review
Sim adj.: 0.00%LTV max 95%FICO min 6202-4d
Rocket Pro
ROCKET_PRO
FHA • VA-adjacent workflow • Conventional comparison
Sim adj.: +0.08%LTV max 97%FICO min 5801-4d
Newrez
NEWREZ
Agency coverage • Non-QM options • Scenario breadth
Sim adj.: +0.10%LTV max 95%FICO min 6002-5d
* Example for illustration only: purchase price $450,000, 20% down, 30-year fixed, 6.750% note rate, 6.982% APR, estimated as of January 15, 2026.
Rates, APR, taxes, insurance, mortgage insurance, reserves, cash to close, fees, and qualifying terms can change based on credit, income, assets, property, occupancy, documentation, market movement, lender overlays, and underwriting.
This calculator is an educational estimate. It is not a Loan Estimate, credit decision, approval, or commitment to lend. Ask a licensed mortgage professional for a full review and an official Loan Estimate before making decisions.
OBJECTIONS
Common objections
Short answers to the questions that usually slow action down.
Rates moved and I do not know whether now still works
That is why we measure break-even, not headlines.
I only care about lowering the payment
Then we compare payment, costs, and liquidity together.
I want cash out without making a bad trade
We map that trade first. Then you decide.
WHOLESALE
Lender options for different scenarios
Not every borrower or deal belongs in the same path.
COVERAGE
Coverage for real scenarios
Florida and Texas remain the licensed states. PMA can also support other states through partner referrals when the scenario allows it.
Florida and Texas mean direct PMA licensing and local presence. In every other state, PMA can still help with primary-home purchase, refinance, and investment scenarios through our partner referral network.
TEAM
Choose who you want to work with
The funnel is company-wide, but the client can still choose the producing broker.
Do not refinance on instinct.
Scorecard first. Decision second. The number tool stays lower on the page as support.
Informational only. Not a commitment to lend. Estimates depend on loan details, credit, documentation, verification, underwriting, and lender approval.
Book your refi scorecard
Payment, costs, break-even, and trade-offs before you decide.
Introduction call
15 minutes to understand your goal, your timing, and the next step.
Prequalification
60 minutes to review numbers, documents, and build a clear path to pre-approval.
Loan review
30 minutes to review your Loan Estimate or your current loan and tell you which options make the most sense.
Tip: Start with the call that best matches where you are today.