The True Cost of Refinancing (Most People Get This Wrong)

Every day, we pull real pricing from 30+ lenders to show what you actually qualify for — plus lock vs. float guidance and a clear breakdown of the Fed, CPI, Jobs, MBS, and the 10-Year Treasury.

Transparent. Data-driven. No hype.

In this video, I show you how to run the real math behind refinancing and mortgage decisions, including:

✔ Your true refinance costs
✔ Your break-even point
✔ How long it takes to recover fees
✔ Whether refinancing actually saves you money
✔ If using equity to pay off high-interest debt makes sense
✔ Which option puts you in the strongest financial position

No guessing.
No pressure.
Just real numbers.

00:00 Why Most Refi Decisions Are Wrong
01:40 Understanding True Costs
04:20 Finding Your Break-Even
07:10 Comparing Options
10:00 Debt & Equity Strategy
12:45 Tools & Resources
14:30 Final Thoughts

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🧮 Mortgage Calculators & Decision Tools
Affordability Calculator

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Refinance & Debt Consolidation Analyzer

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Refinance Savings Calculator

See how much you could save by refinancing
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Cost of Refinancing Calculator

Break down closing costs, breakeven, and true ROI
👉 https://friodan.gumroad.com/l/tgvrz

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⚖️ Compliance & Disclosures

Dan Frio | NMLS #246527
Equal Housing Lender | TRU Mortgage Team / PBT Bancorp NMLS #257781

The views expressed are solely those of the host and do not represent PBT Bancorp or its affiliates.

This content is provided for educational and entertainment purposes only and does not constitute financial, legal, or investment advice.

All loan programs, rates, terms, and conditions are subject to change and borrower qualification. Not all applicants will qualify.