Is Moving Assets to Lower Your Rate Actually Worth It?
Banks offer rate discounts if you move your portfolio to them. This calculator shows whether the math actually works in your favor.
Nate Jones · NMLS #304056 · New American Funding
Loan Details
Portfolio Details
Results
Moving your portfolio does not save you money
The rate discount is real but outweighed by transfer and opportunity costs.
Annual Mortgage Savings
$1,587/yr
Net First Year
-$2,815
Lost Returns
$3,077
Net Annual (yr 2+)
$337/yr
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Common Questions
When does moving your portfolio actually save money?
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What hidden costs should I watch for?
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