Strike Rate Refinance

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.

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.