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

6.47%

VA 30-Year

6.33%

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

Inspect your attic insulation. Proper insulation reduces heating and cooling costs and can prevent ice dams on your roof.

Tips for Homeowners

Fall Home Prep: Heating, Safety & Systems

1.	Have your heating system serviced before it's needed. A furnace failure in winter is an emergency — routine maintenance costs far less than emergency repairs.

2.	Test smoke detectors and carbon monoxide detectors and replace batteries. Carbon monoxide poisoning risk rises when heating systems run more frequently.

3.	Drain and shut off exterior faucets and sprinkler systems before the first freeze to prevent burst pipes — one of the most expensive and disruptive homeowner emergencies.

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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