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Mortgage Refinance Cost Comparison Workbook
The short answer: Three same-day Loan Estimates from competing lenders, compared line by line. This kit gives you the step-by-step guide, the worksheets, and the letter templates to do that work with your own documents, at your own pace.
This kit is for you if
- A lender pitched you a refinance (a call, a mailer, an ad) and you want to check the math before answering.
- Rates moved and you're wondering whether refinancing your loan would actually save money.
- You're shopping lenders and want a way to compare offers that goes deeper than the advertised rate.
- You're already refinancing and want to audit the costs, the lock, and the closing paperwork.
It is not for you if
- You want someone to tell you whether to refinance, which lender to pick, or which rate to take. This pack will not do that, no document can make those calls for you.
- You need legal advice about your loan documents. For personal financial decisions, talk to a qualified financial professional; for legal questions, a licensed attorney in your state. HUD-approved housing counselors are a free federal resource for mortgage questions.
- You're questioning a purchase mortgage's closing costs rather than a refinance, our sibling pack Closing Cost X-Ray owns that audit.
- You're trying to drop PMI through your current servicer rather than by refinancing, see our sibling pack PMI Exit Plan.
What is inside
- The guide (PDF, 105 pages): plain-English explanations, what to check and in what order, and where the common errors and deadlines live.
- The workbook (editable DOCX): the worksheets from the guide as fillable documents, so your numbers and evidence stay organized in one place.
- Letter templates (editable DOCX): written templates with bracketed prompts, grounded in what your documents actually show.
It includes a fully worked example, start to finish.
How you use it
- Gather the document the other side gave you, plus your own records.
- Work the guide in order; the early checks decide which later worksheets apply to you.
- Record what you find in the workbook as you go, with dates and sources.
- Use the templates to put your questions or your response in writing, and keep copies of everything you send.
One-time purchase, yours to keep$49
Get the kit on GumroadWhat this kit does not do: Educational self-help resource only. It does not evaluate your individual situation, represent you, or guarantee any outcome. It does not replace a licensed professional for your specific situation.
Not sure yet? Start with The Paperwork Audit, our free checklist. It uses the same method on six everyday documents. Or browse the Benefits, Retirement and Family Finances bundle if more than one kit on your list sounds familiar.