Find out exactly how many months until your refinancing savings cover the closing costs. Make a data-driven decision on whether to refinance your CRE loan.
Compare your current loan vs. a new refinance
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Explore Refi Options →The break-even point tells you if refinancing is worth it for your timeline.
Refinancing costs money upfront (closing costs, appraisal, legal fees, prepayment penalties). The break-even point is when your cumulative monthly savings equal those upfront costs. After break-even, every month is pure savings.
Refinance when: your break-even is under 24 months, you plan to hold the property well past break-even, rates have dropped 0.75%+ since your original loan, or your property value has increased enough to improve LTV and unlock better terms.
Avoid refinancing when: break-even exceeds your planned hold period, prepayment penalties make costs prohibitive, your current rate is already competitive, or you're within 1–2 years of loan maturity (just let it run out).
Beyond closing costs, factor in: prepayment penalties (yield maintenance, defeasance, or step-down), new appraisal ($3K–$8K), environmental assessment ($2K–$5K), legal fees, title insurance, and any rate lock fees. Our advisors give you a full cost picture before you commit.
Common questions about CRE refinancing and break-even analysis.
Our advisors analyze your current loan, calculate true savings, and match you with the best refi lenders — no guesswork, no upfront fees.
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