Mortgage Decision Timeline Simulator

Find the best mortgage structure based on when you plan to move or refinance. Accounts for refi likelihood and compares 30-year fixed, ARM, points, and 15-year options.

Your Timeline

Loan Amount

Expected Move Year

When do you plan to sell or move?

Refinance Likelihood (%)

How likely are you to refinance before moving?

30-Year Fixed Options

Par Rate (%)

Points Cost

Rate with Points (%)

ARM Option

ARM Initial Rate (%)

ARM Fixed Period (years)

Enter your information and click "Find Best Option" to see your results.