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savings to exceed both your closing costs and any interest savings from prepaying your mortgage. The prepayment amount used in this calculation is the. Refinancing gives homeowners the opportunity to update their mortgage terms and take advantage of lower rates. Whether through market changes or changes in your. Start Saving Each Month & Take a Break from Payments for up to 90 Days! . Unlock your savings potential! Plug in your info to find out how much extra cash you. Personalize the terms of your new loan to see how your new rate impacts your repayment and savings. Results are an estimate based on the full term of your new.