Free · 24-Hour Turnaround · No Credit Pull
Free Mortgage Checkup
Send us your current loan details and we'll send back a one-page analysis showing exactly where you stand: whether refinancing makes sense, if you can drop PMI, how much extra payment shortens your loan, and whether consolidation beats keeping it.
- Rate vs today's market — honest "should you refinance" answer
- PMI removal check (most homeowners qualify earlier than they think)
- Pay-off acceleration math + cash-out feasibility
- Real numbers, no sales pressure, no commitment
What You Get Back Within 24 Hours
1
One-Page PDF Report
Your current loan vs market, side-by-side
Your current loan vs market, side-by-side
4
Strategy Options Compared
Refi, drop PMI, recast, or hold — with monthly numbers
Refi, drop PMI, recast, or hold — with monthly numbers
20+
Lenders Shopped For Your File
If refi makes sense, we already have the best rate quote
If refi makes sense, we already have the best rate quote
$0
Cost & Obligation
No credit pull at this stage. No sales follow-up if you ask us to stop.
No credit pull at this stage. No sales follow-up if you ask us to stop.
20+
Wholesale Lenders Shopped
5.0★
Google, Yelp & Zillow
OnPoint Mortgage Pro · NMLS #2134550 · Headquartered in Irvine, California · Licensed in CA, CO, FL, ID, MD, NH, SC, TX, VA · Equal Housing Lender
What We Check (and Why It Matters)
Six specific questions we answer in every checkup. Each one can be worth $100-$500/month, or unlock cash you didn't know was available.
Rate vs Today's Market
If your current rate is 1%+ above today's posted refi rate, you're likely leaving money on the table. We run the actual numbers across 20+ wholesale lenders to confirm.
PMI Removal Eligibility
If your home appreciated and you're now under 80% LTV, you can drop PMI immediately — typically $100-$300/month savings. Most homeowners reach this threshold years before they realize it.
Term Reduction Opportunity
Refinancing into a 15- or 20-year often saves $50,000-$150,000 in lifetime interest. We check whether the higher monthly payment fits your DTI and savings rate.
Debt Consolidation Math
If you carry a 2nd mortgage, HELOC, or significant unsecured debt, we calculate whether rolling it all into a single first lien lowers your blended rate and monthly cash flow.
Cash-Out Feasibility
Need cash for renovations, college, or to invest? We show you exactly how much equity you can pull at today's rates without changing your monthly comfort zone.
Pay-Off Acceleration
If refi doesn't make sense, we calculate the impact of extra principal payments — how many years it shaves, how much interest it saves, and whether biweekly or lump-sum wins for your scenario.
How the Checkup Works
Three steps. Eight minutes of your time. One actionable report within 24 hours.
1
You Submit Loan Details
Fill out the short form: current loan balance, rate, remaining term, and your goal. Takes about 5-8 minutes. No credit pull, no document upload required.
5-8 min2
We Run the Numbers
Victor and the team analyze your file: rate vs today's market, PMI eligibility, refi break-even, consolidation math, pay-off acceleration. We shop 20+ wholesale lenders for any actionable scenarios.
Same day3
You Get Your Report
One-page PDF emailed within 24 hours with clear recommendations. We follow up with a 15-minute call to walk through the findings. You decide if anything is worth pursuing — no pressure.
Within 24hWhat Your Report Looks Like
Sample report layout, anonymized. Numbers reflect a realistic checkup scenario.
Mortgage Checkup Report
Your Current Loan
Balance: $385,000
Rate: 6.875% (Conv 30-yr)
Years remaining: 26
Monthly P&I: $2,627
PMI: $160/mo
If You Refinanced Today
New rate: 5.75% (Conv 30-yr)
New monthly P&I: $2,247
Monthly savings: $380
Estimated closing costs: $8,400
Break-even: ~22 months
PMI Removal Check
Current LTV: ~76% (estimate)
PMI removable? Yes — immediately
Action: Request PMI removal in writing from your servicer; no refi needed.
Term Reduction Option
15-yr refi rate: 5.25%
New monthly P&I: $3,094
Lifetime interest saved: $172,000
Higher monthly: +$467 vs current
Our Recommendation
Step 1: Request PMI removal from your current servicer (free, takes 2-3 weeks). Step 2: Refinance to 5.75% / 30-yr saves $380/mo with 22-month break-even — worth it if you'll stay 3+ years. Step 3: If cash flow allows, the 15-yr at 5.25% saves $172k lifetime — let's discuss.
When You Should Schedule a Checkup
If any of these apply, the math probably justifies a 15-minute review. Most checkups find at least one meaningful opportunity.
Your Rate Is Above 7%
If you locked during 2023-2024, your rate is meaningfully above today's posted rates. Even after closing costs, the refi math usually wins within 18-24 months.
You're Paying PMI
Home prices appreciated significantly 2020-2024. Most homeowners who bought with less than 20% down have already reached 80% LTV via appreciation alone — meaning PMI is removable.
You Have a 2nd Mortgage or HELOC
HELOC rates are typically 1.5-3% higher than 1st-lien rates. Consolidation into a single first lien almost always lowers your blended cost — the question is whether closing costs justify it.
You're Considering Selling Soon
Before listing, you should know exactly how much equity you have, what your payoff balance will be, and whether a refi-then-stay scenario could change the math vs selling.
You Want to Tap Equity
Cash-out refi, HELOC, or home-equity loan? Each has different rate, structure, and tax implications. We'll show you the side-by-side and recommend the right tool.
You Haven't Reviewed in 2+ Years
Mortgage rates, your home value, your income, and your goals all change over time. An annual or biennial checkup is good financial hygiene — like checking your investment portfolio allocation.
Your Checkup Is Run By a Senior Loan Officer
Not an entry-level processor. Not an AI bot. The same person who'd close your refi if you decide to move forward is the person reviewing your file.
Victor Santos
Senior Loan Officer · NMLS #888844 · 20+ Years
Originating mortgages since 2005. Will personally review your loan file, run the math across 20+ wholesale lenders, and give you a straight answer — including "don't refinance, your scenario doesn't justify it" when that's the honest call. Personal phone & email, no callback queues.
What Real Clients Say
Verified 5.0★ reviews from OnPoint Mortgage Pro clients across Google, Yelp, and Zillow.
Checkup FAQ
Is the checkup really free?
Yes. No credit pull, no application fee, no obligation. We do this because (a) most checkups don't lead to refis — sometimes the right answer is "stay put" — and (b) when they do lead to refis, we want to be your broker. It's marketing, but the analysis itself is genuinely free.
What if my situation is complicated (self-employed, multiple properties, etc.)?
Even better — that's where a checkup adds the most value. Complex scenarios are where retail banks struggle and wholesale brokers shine. We'll ask additional questions in the form, or follow up by email if needed, and adjust the analysis accordingly.
Do you pull my credit?
Not for the checkup. We use the credit score range you self-report in the form to ballpark rates. If the checkup identifies a refi opportunity you want to pursue, we'd pull credit only after you decide to formally apply — standard mortgage process, single hard inquiry.
How accurate is the analysis without exact loan documents?
For an initial directional read, accurate within $30-$50/month on monthly savings and within $0.10% on rate quotes. If your scenario looks promising, we'd ask for your most recent mortgage statement and 1098 for a precise quote before any formal application.
What if the analysis says I shouldn't refinance?
That's actually the most common outcome. Honest answer: about 60% of checkups conclude "your current loan is fine; don't refinance, but here's how to drop PMI" or similar. We tell you straight rather than pushing a refi for our commission.
How is this different from using your refinance calculator?
The refinance calculator shows you the math if you input the numbers yourself. The checkup adds (1) a human reviewing your specific file, (2) access to 20+ wholesale lender rate sheets for actual current pricing, and (3) consideration of factors like PMI removal, recasting, and consolidation that calculators don't catch.
Will I get spam follow-up calls?
No. Victor calls you once to walk through the report (we want you to actually understand it). After that, we follow up only if you ask us to. If you tell us "I'm not interested in moving forward," we mark your file as such and stop contacting you. No sales drip.
Can you do this for properties outside the 9 states you're licensed in?
We can still run the analysis — the math is the math — but we can't actually broker the refi for properties in unlicensed states. If your property is in one of our 9 states (CA, CO, FL, ID, MD, NH, SC, TX, VA), we can take it from analysis to closing. Outside those, we'd refer you to a trusted broker in your state.
Start Your Free Mortgage Checkup
15 quick questions. We email your report within 24 hours.
Prefer to Just Talk?
Call during business hours and we'll do an over-the-phone checkup in 15 minutes. No form, no waiting.
(877) 870-0007Checkup Disclosures
The OnPoint Mortgage Checkup is a complimentary educational analysis. Recommendations are based on the information you self-report in the form, current market rate data, and standard underwriting assumptions. Actual loan terms, including final rate and closing costs, depend on full underwriting review including credit pull, income verification, asset documentation, and appraisal.
This is NOT a loan offer, loan estimate, or commitment to lend. The sample report shown on this page reflects a typical scenario and does not represent your specific file. Your actual checkup report will be customized to the details you provide. Refinancing is NOT always the right answer — in many checkups our recommendation is to maintain your current loan.
OnPoint Mortgage Pro · NMLS #2134550 · Equal Housing Lender. Licensed in California, Colorado, Florida, Idaho, Maryland, New Hampshire, South Carolina, Texas, and Virginia. For properties outside our licensed states, we can run the analysis but cannot broker the resulting loan; we'd refer you to a trusted broker in your state.