This site is intended for mortgage professionals only.
If you’re a client or borrower, please consult with your mortgage specialist or loan officer.

Strike Rate Calculator

This calculator estimates the Strike Rate — the note rate at which a rate-and-term refinance on a borrower’s current balance (reset to a new loan term) would achieve a specified monthly savings target.Assumptions
   • Rate-and-term refinance only (no cash-out)
   • Current loan term selectable (default 30-year fixed at the stated rate)
   • New loan term selectable (defaults to 30 years; 25/20/15-year options available)
   • Payment refers to principal & interest only — excluding escrows, taxes, insurance, and/or HOA dues
   • Fully amortized repayment scheduleInterpreting Results
   • Strike Rate – The rate required on the new loan to meet the target monthly savings
   • Break-Even – Months of savings required to recover estimated refinance costs (optional)
   • Note – Because the refinance creates a new amortization schedule, the Strike Rate can be higher than the borrower’s current rate and still produce a lower payment when the payoff balance has declined.

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This site is intended for mortgage professionals only.
If you’re a client or borrower, please consult with your mortgage specialist or loan officer.

Mortgage Trust, Inc. • NMLS 3250 • Equal Housing Lender
4386 S Macadam Ave. • Suite 302 • Portland, OR 97239

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