Most online refinance calculators skip closing costs — and that omission can cost you thousands. This guide by Duane Buziak (NMLS #1110647) walks Virginia, Florida, Tennessee, and Georgia homeowners through how to use a mortgage refinance calculator with closing costs correctly, including a real worked example on a $375,000 home, so you can pinpoint your true break-even point before you commit.

Many homeowners with little equity assume refinancing is out of reach, but programs specifically designed for high-LTV borrowers — combined with wholesale mortgage broker access to hundreds of lenders — make low-equity refinancing more achievable than most realize. This step-by-step guide by Duane Buziak (NMLS #1110647) walks homeowners through how to refinance with little equity, from calculating your loan-to-value ratio to reaching closing without a hard credit inquiry.