{"id":4324,"date":"2026-06-13T00:30:00","date_gmt":"2026-06-13T04:30:00","guid":{"rendered":"https:\/\/vmalending.net\/?page_id=4324"},"modified":"2026-06-13T00:30:10","modified_gmt":"2026-06-13T04:30:10","slug":"refinance-calculator","status":"publish","type":"page","link":"https:\/\/vmalending.net\/?page_id=4324","title":{"rendered":"Refinance Calculator"},"content":{"rendered":"    <div id=\"vma-ms-root\" class=\"vma-ms-root vma-ms-single\" data-single=\"refinance\" style=\"--vma-primary:#f12c30;--vma-secondary:#bbbcc0;\">\n      <div class=\"vma-ms-header\">\n        <img decoding=\"async\" class=\"vma-ms-logo\" src=\"https:\/\/vmalending.net\/wp-content\/uploads\/2025\/07\/cropped-VMA-Icon-red-blue-silver-trans.png\" alt=\"VMA Mortgage Calculator Suite\">        <div><h2>Refinance Calculator<\/h2><\/div>\n      <\/div>\n      <section class=\"vma-ms-panel-inner\" data-calc-panel=\"refinance\"><div class=\"vma-ms-grid\"><div class=\"vma-ms-card\"><div class=\"vma-ms-field\"><label>Current Balance<\/label><input id=\"refi_balance\" type=\"number\" value=\"300000\"><\/div><div class=\"vma-ms-field\"><label>Current Rate (%)<\/label><input id=\"refi_current_rate\" type=\"number\" step=\"0.01\" value=\"7.25\"><\/div><div class=\"vma-ms-field\"><label>Years Remaining<\/label><input id=\"refi_current_years\" type=\"number\" value=\"27\"><\/div><div class=\"vma-ms-field\"><label>New Rate (%)<\/label><input id=\"refi_new_rate\" type=\"number\" step=\"0.01\" value=\"6.44\"><\/div><div class=\"vma-ms-field\"><label>New Term (Years)<\/label><input id=\"refi_new_years\" type=\"number\" value=\"30\"><\/div><div class=\"vma-ms-field\"><label>Closing Costs<\/label><input id=\"refi_costs\" type=\"number\" value=\"6500\"><\/div><button class=\"vma-ms-btn\" data-calc=\"refinance\">Calculate<\/button><\/div><div class=\"vma-ms-card\"><div id=\"ms_refinance_results\"><\/div><\/div><\/div><\/section>          <div class=\"vma-ms-bottom-grid\">\n      <div class=\"vma-ms-card\">\n        <h3>Take the Next Step<\/h3>\n        <p><strong>See your personalized results and explore your options.<\/strong><\/p>\n        <button class=\"vma-ms-btn\" id=\"vma_open_lead_modal\" type=\"button\">Get My Results<\/button>\n        <div id=\"vma_ms_lead_status\" class=\"vma-ms-status\"><\/div>\n      <\/div>\n      <div class=\"vma-ms-card\">\n        <h3>Start an Online Application<\/h3>\n        <p>Ready to move forward? Start your online application now.<\/p>\n        <a class=\"vma-ms-btn vma-ms-btn-link\" target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/plus.preapp1003.com\/Abel-Medero\">Start Application<\/a>\n        <p class=\"vma-ms-disclaimer\">Calculator results are estimates only and not a credit decision or commitment to lend. PMI, MIP, taxes, insurance, HOA, HELOC, ARM, refinance, and qualification figures may vary by lender, credit profile, occupancy, property type, and final underwriting.<\/p>\n      <\/div>\n    <\/div>\n\n    <div id=\"vma_lead_modal\" class=\"vma-ms-modal\" aria-hidden=\"true\">\n      <div class=\"vma-ms-modal-content\">\n        <button class=\"vma-ms-modal-close\" id=\"vma_close_lead_modal\" type=\"button\" aria-label=\"Close\">\u00d7<\/button>\n        <h3>See Your Results<\/h3>\n        <p>Enter your details to unlock your full breakdown and take the next step.<\/p>\n        <div class=\"vma-ms-field\"><label for=\"lead_full_name_modal\">Full Name<\/label><input id=\"lead_full_name_modal\" type=\"text\"><\/div>\n        <div class=\"vma-ms-field\"><label for=\"lead_email_modal\">Email<\/label><input id=\"lead_email_modal\" type=\"email\"><\/div>\n        <div class=\"vma-ms-field\"><label for=\"lead_phone_modal\">Phone (optional)<\/label><input id=\"lead_phone_modal\" type=\"text\"><\/div>\n        <div class=\"vma-ms-field\"><label for=\"lead_message_modal\">Message (optional)<\/label><textarea id=\"lead_message_modal\" rows=\"3\"><\/textarea><\/div>\n        <button class=\"vma-ms-btn\" id=\"vma_submit_lead\" type=\"button\">See Results + Get Pre-Approved<\/button>\n        <div id=\"vma_modal_status\" class=\"vma-ms-status\"><\/div>\n      <\/div>\n    <\/div>\n        <\/div>\n    \n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_monsterinsights_skip_tracking":false,"footnotes":""},"class_list":["post-4324","page","type-page","status-publish","hentry"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO Pro 5.0.2 - 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