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⚡ Quick Fill — tap a scenario to load all numbers

Then just update client name + phone above ↑

① Client

First Name *

Phone # (for texting)

Property Value *

Credit Score

Loan Type

Loan Term

② Their Current Loan

Balance *

Rate (%) *

Current Payment (auto) —

③ Your Offer

Loan amounts auto-fill from current balance. Change if cash-out.

Option A — Lower Cost

Rate (%)

Loan Amount

Closing Costs ($)

New Payment

—

Option B — Lower Rate

Rate (%)

Loan Amount

Closing Costs ($)

New Payment

—

Personal Note to Client (optional — shows on their quote)

Preview as Client →

Save $— /mo

Lock in your rate before it expires

📞 Call Manny

Your Custom Quote

Here's exactly how much you could be saving

Rates valid for 72 hours

Rate lock expires in

--hrs

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Your Home Equity Position —

Balance: — Equity: —

Property Value

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Available Equity

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Credit Rating

—

Loan Type

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Loan Term

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Choose Your Priority

Current Loan

Balance

—

Interest Rate

—

Monthly Payment

—

New Loan

Loan Amount

—

Interest Rate

—

Monthly Payment

—

↓ —/mo

Closing Costs

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Your Monthly Savings

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per month back in your pocket

—

Total savings over 1 year

📊

Closing Cost Breakeven

Your monthly savings cover the closing costs in just —

Month 0 Breakeven 30 yrs

Total cost — current loan —

Total cost — new loan —

Net lifetime savings —

⏰

Every Month You Wait Costs You Money

You're overpaying on your mortgage right now.

1 Month

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3 Months

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6 Months

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Every day you wait: — gone.

Your numbers don't lie

Refinancing saves you — over the life of your loan.

Monthly savings —

Annual savings —

5-year savings —

Total interest saved —

Years cut off your loan —

📞 Call Manny — Lock In Your Rate

No obligation • Free consultation • Takes 10 minutes

⚡

What If You Keep Paying the Same Amount?

You save —/mo with the new loan. But what if you kept making your current payment?

Standard Payoff

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at new payment

Accelerated Payoff

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keeping old payment

Time saved off loan —

Interest saved —

📉

Loan Balance Over Time

Watch your balance drop faster month by month — the gap below is money you keep.

Current Loan New Loan Your Savings Zone

💰 What If You Invested Your Savings?

Your $—/mo savings, invested over time:

Instead of overpaying your current mortgage, put that money to work. Here's what it compounds to.

Strategy	5 Yrs	10 Yrs	30 Yrs
Loading projections...

* Projections assume consistent monthly investment of savings amount. 4.5% = current HYSA rate. 7% = historical S&P 500 real return. 10% = historical S&P 500 nominal average. Past performance does not guarantee future results. Not financial advice.

🎯

Power Pay — Crush Your Mortgage

Add any extra amount each month and watch your payoff date move in real time.

Extra payment per month +$0

Standard payoff —

With extra payment —

⏳ Time saved —

💵 Interest saved —

Drag the slider to see how extra payments crush your mortgage timeline.

What Happens Next

10-minute call — Manny confirms your details and locks in your rate

Send 3 documents — W2, paystub, and last 2 bank statements

Close in 2–3 weeks — your savings start on your very first payment

🏠 Equal Housing Lender

🔒 Licensed & NMLS Verified

⭐⭐⭐⭐⭐ 5-Star Rated

📍 California Licensed