Better terms. Only when the math clears.

Refinance with the break-even math up front — rate-and-term, cash-out, and shorter-term options priced over the horizon you'll actually keep.

Jayda Matekovic, Senior Loan Officer

Peak Capital Mortgage LLC

Phone: (970) 235-8165

Email: [email protected]

NMLS# 196133

Company NMLS# 2347925

Licensed in: AL, AZ, CO, ID, KS, MI, LA, MT, NM, SD, TX, WY

This is not a commitment to lend. All loans subject to underwriter approval. Terms and conditions apply, subject to change without notice. Peak Capital Mortgage LLC is not affiliated with or acting on behalf of the VA, FHA, HUD, USDA, or any government agency. https://peakcapitalmortgage.com/privacy-policy-peak https://peakcapitalmortgage.com/licensing-disclaimers NMLS 196133 License: AL, AZ, CO, ID, KS, LA, MI, MT, NM, SD, TX, WY AZ LO-2013289 | CO 100012793 | ID MLO-2080196133 | KS LO0053986 | WY 6708

Refinance

Refinance with the break-even math up front — rate-and-term, cash-out, and shorter-term options priced over the horizon you'll actually keep.

Better terms. Only when the math clears.

The old loan sets the benchmark.

What a refinance file needs.

Four deliberate legs.

Refinance, second lien, or wait?

The math people usually ask about.

Should the current loan stay?

Loan Programs → Refinance

A lower payment is not enough. I count closing costs, the term reset, escrow movement and your expected hold period, then show the break-even before you replace the current loan.

Why it works here

A refinance only earns a recommendation when it improves the outcome you actually care about after costs, time, and the term reset are counted.

The checklist

The sequence

Compare the structures

Simplified comparison — actual availability and pricing depend on credit, property, and program guidelines at the time you apply.

Refinance questions

Bring the statement and your goal. You’ll get costs, payment change, term reset and break-even compared in writing.

Steady purchase, second-home, and refinance lending for New England's harbor towns — and the people moving toward them.

Explore

Programs

Contact

Mon–Fri 8–6 · Sat 9–1 ET

NMLS 196133 | Peak Capital Mortgage, LLC | NMLS# 2347925 | NMLS Consumer Access

Peak Capital Mortgage is an Equal Housing Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, or any other protected class.

Texas Consumers: How to file a complaint: Go to www.sml.texas.gov or call (877) 276-5550. The MORTGAGE COMPANY RECOVERY FUND: If you have a complaint regarding mortgage company services, you may submit a formal complaint to the Texas Department of Savings and Mortgage Lending.

This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice. All loans subject to credit approval. Licensed in AL, AZ, CO, ID, KS, LA, MI, MT, NM, SD, TX, and WY.

NMLS 196133 License: AL, AZ, CO, ID, KS, LA, MI, MT, NM, SD, TX, WY | AZ LO-2013289 | CO 100012793 | ID MLO-2080196133 | KS LO0053986 | WY 6708

Not an offer to lend. Subject to credit approval.

© . All rights reserved.