--- title: Strike Rate Refinance™ description: this page describes what a Strike Rate Refinance™ is and how it can help consumers consider refinancing. --- [Skip to content](https://homeloansbykarenjones.com/strike-rate-refinance#main-content) - [Home](https://homeloansbykarenjones.com) - [Home Search](https://nest.me/?affiliate=karen.jones1) - Just for Agents - [Grow Your Business](https://strategy4successnow.com/) - [Menu of Services](https://karen-strategy4successnow.square.site/) - [Video Marketing](https://strategy4successnow.com/video-marketing) - [Website Services](https://strategy4successnow.com/websites) - Buyers - [Buyer Ready Program](https://homeloansbykarenjones.com/buyer-ready) - [1st-Time Homebuyers](https://homeloansbykarenjones.com/first-time-homebuyer) - [How Much Home Can You Buy?](https://myhome.freddiemac.com/resources/calculators/how-much-can-you-afford) - [Rent vs. Own](https://myhome.freddiemac.com/resources/calculators/rent-vs-buy) - [Home Values- Phoenix Metro](https://cromfordreport.com/rankings.html) - 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[Get started](mailto:kjones@altitudehomeloans.com) ## What Is the Strike Rate Refinance™? ![Refinance](https://homeloansbykarenjones.com/hubfs/Refinance.png "Refinance") ### No "Churning" of Loans  The Strike Rate Refinance™ is a smarter, more strategic way to determine when a refinance truly benefits you. Instead of reacting to rate changes or lender marketing, this service identifies your ideal target rate—the point where refinancing saves you money without unnecessary fees. With this approach, you gain clarity, confidence, and a plan based on *your* goals—not a lender’s desire to churn loans. [Learn more](https://homeloansbykarenjones.com/the-refinance) ![Mortgage](https://homeloansbykarenjones.com/hubfs/Mortgage.png "Mortgage") ### Why Timing Matters — The 24-Month Rule Refinancing only makes sense when the long-term savings outweigh the upfront costs. That’s why financial planners and mortgage strategists use a simple, protective guideline: your refinance costs should be recovered within **24 months or less**. This approach helps you avoid: - Hidden “no-cost” refinance tactics - Rate-chasing that doesn’t move the needle - Paying fees that don’t benefit you My goal is to help you make a clear, confident decision based on real numbers — not marketing or pressure. [Learn more](https://homeloansbykarenjones.com/the-refinance) ![saving money](https://homeloansbykarenjones.com/hubfs/saving%20money.png "saving money") ### How a Refinance Can Help Refinancing can support your financial goals in several meaningful ways. Depending on your situation, the right refinance strategy may help you: ✅ **Lower Your Monthly Payment** Even a small rate improvement can create significant monthly savings — as long as the costs can be recouped within 24 months. ✅ **Consolidate High-Interest Debt** Rolling in credit cards or personal loans can reduce overall interest and improve monthly cash flow, creating breathing room in your budget. ✅ **Shorten Your Loan Term** If your goal is long-term savings or building equity faster, moving to a shorter term at a lower rate can save tens of thousands over time. Every homeowner’s goals are different. The Strike Rate Refinance™ helps you identify the exact point where refinancing becomes truly beneficial — based on what matters most to *you*. [Learn more](https://homeloansbykarenjones.com/the-refinance) ## **Discover Your Personal Strike Rate.** I’ll show you exactly when a refinance becomes financially smart, using real numbers and a transparent 24-month break-even analysis. ##### **Book your Strategic Refinance Review.** --- Share: [facebook-f icon](http://www.facebook.com/share.php?u=https://homeloansbykarenjones.com/strike-rate-refinance) [linkedin-in icon](http://www.linkedin.com/shareArticle?mini=true&url=https://homeloansbykarenjones.com/strike-rate-refinance) [Twitter icon](https://twitter.com/intent/tweet?url=https://homeloansbykarenjones.com/strike-rate-refinance) [pinterest-p icon](http://pinterest.com/pin/create/link/?url=https://homeloansbykarenjones.com/strike-rate-refinance) [envelope icon](mailto:?body=https://homeloansbykarenjones.com/strike-rate-refinance) "We are committed to educating and assisting qualified borrowers as they pursue their homeownership goals." ## **Hear From Past Clients** Customer Testimonials [![Powered by Reach150](https://reach150.com/img/common/powered-by-16.png)](https://reach150.com/altitude-home-loans/review/61033/karen-jones)   [Contact Karen](mailto:kjones@altitudehomeloans.com) --- Karen Jones, a Licensed Mortgage Loan Officer (NMLS 307015), located in Phoenix, Arizona has been serving families with their home lending needs for over 40 years.  As a Certified Mortgage Advisor, Karen is dedicated in ensuring that her clients are well educated and prepared for their new home loan decision.  Karen Jones complies with all regulations and rules of all government agencies and regulators including the Real Estate Settlement and Procedures Act. The services provided by Karen Jones are not a condition, nor do they create any obligation for any form of remuneration for any real estate settlement service related to any referral. The opinions expressed here are the opinions of the author and do not reflect the opinions of Altitude Home Loans.  Altitude Home Loans NMLS 1955555  AZ BK 1007669  Branch NMLS 2488403   ![Altitude Home Loans- Karen Jones Transparent](https://homeloansbykarenjones.com/hs-fs/hubfs/Altitude%20Home%20Loans-%20Karen%20Jones%20%20Transparent.png?width=986&height=204&name=Altitude%20Home%20Loans-%20Karen%20Jones%20%20Transparent.png) **                                                 Karen Jones**                                               Senior Certified Mortgage Advisor, RCS-D                                               NMLS 307015 | AZ Lic 0914383                                               Office:  602.613.3573                                               Branch Address:                                               8388 E Hartford Drive, Suite 111                                               Scottsdale, AZ  85255                                               Branch NMLS 2488403   [ Licenses & Disclosures](https://altitudehomeloans.com/licenses-and-disclosures/)    [NMLS Consumer Access](https://nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1955555)   Altitude Home Loans. NMLS 1955555. AZ BK 1007669. Altitude Home Loans is an Equal Housing Lender. Altitude Home Loans is not affiliated with any government agencies. This information is not from HUD or FHA and was not approved by the Department or Government Agency. This is not an offer to enter into an agreement. Information, rates, and programs are subject to change without prior notice. All products are subject to credit approval. Other restrictions and limitations may apply.  The views expressed are opinions of Karen Jones alone and do not necessarily reflect the views of Altitude Home loans.  The information contained, and the opinions expressed, in this article are not intended to be construed as investment advice. Karen Jones does not guarantee or warrant the accuracy or completeness of the information or opinions contained herein. Nothing herein should be construed as investment advice. You should always conduct your own research and due diligence and obtain professional advice before making any investment decision.  Karen Jones will not be liable for any loss or damage caused by your reliance on the information or opinions contained herein.   ![Equal Housing Logo- HD](https://homeloansbykarenjones.com/hs-fs/hubfs/Equal%20Housing%20Logo-%20HD.jpg?width=53&height=54&name=Equal%20Housing%20Logo-%20HD.jpg)