◆ ChoiceBridge

Refinance to 15-Year

The nuclear option. See the 15-year refinance math for every loan size — and mind the missing closing costs in the fine print.

Free calculators for everyone — the 5–7 Year Alternative serves USA residents only.

Featured alternative

The 5–7 Year Alternative

Pay off your mortgage in 5–7 years instead of 30. *With qualification.

See if you qualify →

For USA residents only.

“Saving a $100k in interest!”
“We were looking at 14 years on our mortgage it went down to four years. We're gonna go ahead and probably pay off a loan within the next, 90 days or so. We'll probably end up saving a hundred thousand dollars in interest!”
Lynn Markham — Business Owner ★★★★★

How it works

You replace the 30-year loan with a new 15-year loan at 6.25%. The monthly payment jumps, but the loan is gone in half the time and total interest drops dramatically.

Browse every loan size & rate

Pick your loan balance, then the rate closest to yours, to open the dedicated calculation.

$200K

2%2.5%3%3.5%4%4.5%5%5.5%6%6.5%7%7.5%8%8.5%9%9.5%10%

$250K

2%2.5%3%3.5%4%4.5%5%5.5%6%6.5%7%7.5%8%8.5%9%9.5%10%

$300K

2%2.5%3%3.5%4%4.5%5%5.5%6%6.5%7%7.5%8%8.5%9%9.5%10%

$350K

2%2.5%3%3.5%4%4.5%5%5.5%6%6.5%7%7.5%8%8.5%9%9.5%10%

$400K

2%2.5%3%3.5%4%4.5%5%5.5%6%6.5%7%7.5%8%8.5%9%9.5%10%

$450K

2%2.5%3%3.5%4%4.5%5%5.5%6%6.5%7%7.5%8%8.5%9%9.5%10%

$500K

2%2.5%3%3.5%4%4.5%5%5.5%6%6.5%7%7.5%8%8.5%9%9.5%10%

$550K

2%2.5%3%3.5%4%4.5%5%5.5%6%6.5%7%7.5%8%8.5%9%9.5%10%

$600K

2%2.5%3%3.5%4%4.5%5%5.5%6%6.5%7%7.5%8%8.5%9%9.5%10%

$650K

2%2.5%3%3.5%4%4.5%5%5.5%6%6.5%7%7.5%8%8.5%9%9.5%10%

$700K

2%2.5%3%3.5%4%4.5%5%5.5%6%6.5%7%7.5%8%8.5%9%9.5%10%

$750K

2%2.5%3%3.5%4%4.5%5%5.5%6%6.5%7%7.5%8%8.5%9%9.5%10%

$800K

2%2.5%3%3.5%4%4.5%5%5.5%6%6.5%7%7.5%8%8.5%9%9.5%10%

$850K

2%2.5%3%3.5%4%4.5%5%5.5%6%6.5%7%7.5%8%8.5%9%9.5%10%

$900K

2%2.5%3%3.5%4%4.5%5%5.5%6%6.5%7%7.5%8%8.5%9%9.5%10%

$950K

2%2.5%3%3.5%4%4.5%5%5.5%6%6.5%7%7.5%8%8.5%9%9.5%10%

$1M

2%2.5%3%3.5%4%4.5%5%5.5%6%6.5%7%7.5%8%8.5%9%9.5%10%

Assumptions

Illustrative 15-year refinance at 6.25% on the full current balance. No closing costs, points, or fees included — real refinances carry thousands in costs that change the math. Rate availability depends on credit, market conditions, and lender approval.

Want a payoff plan built for you?

Take the free quiz to see if you qualify for a structured payoff plan.

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For USA residents only

Calculations are illustrative only, based on the assumptions shown. Not financial advice, not a promise of savings or payoff time, and not a loan quote.