You’ve probably seen the headlines: the Federal Reserve has cut rates, and more reductions could be coming through 2025 and 2026.¹ That begs the question many homeowners are asking right now: Is it the right time to refinance?

The truth is, refinancing isn’t just about chasing the lowest rate. It’s about making a smart decision for your family’s budget and long-term financial goals. That’s where Lakeview comes in — to guide you through the noise and help you see if refinancing is a smart move for you.

The Problem: Uncertainty Around Timing

When interest rates shift, it’s easy to feel pressure to act fast. But jumping into a refinance without a plan can lead to costly mistakes. Common pitfalls include:

• Closing costs you weren’t expecting
• Break-even periods that take longer than you thought
• Multiple refinances that eat away at your savings

No one wants to feel like they “missed the moment” or made a move they’ll regret later.

The Guide: Lakeview’s Approach

We know refinancing can feel overwhelming. As your mortgage partner, Lakeview helps cut through the confusion with clear answers:

1. Understand Your Closing Costs
   Refinancing comes with upfront fees, but we’ll break them down so you can see exactly how they affect your budget. Thinking about a “no-closing-cost” option? We’ll walk you through the pros and cons.
2. Calculate Your Break-Even Point
   Not all refinances are created equal. We’ll calculate how long it takes for your savings to outweigh the costs, so you’ll know if it’s truly worth it.
3. Avoid the Refinance Trap
   Refinancing more than once in a short period can cost more than it saves. We’ll look at your long-term plans to help you avoid unnecessary expenses.

The Reality: No Crystal Ball

Forecasts from the Fed suggest more cuts could be on the horizon — but markets can change quickly. We can’t predict the future, but we can give you a clear plan today so you feel confident no matter what happens with rates tomorrow.

The Plan: How to Move Forward

1. Talk with a Lakeview expert – Call us to discuss your specific situation.
2. Get your personalized options – We’ll show you how refinancing could impact your monthly payments and overall savings.
3. Decide with confidence – With the facts in front of you, you’ll know whether refinancing now is the right move.

The Success: Smarter Refinancing, Less Stress

Refinancing should feel like a win — lowering payments, saving money, and helping you reach your financial goals faster. With Lakeview, you don’t just get access to competitive rates. You get a partner that simplifies the process, waives lender fees for existing customers, and supports you every step of the way.

Ready to Explore Your Options?

Lakeview has already helped millions of customers manage their mortgages with confidence. If refinancing is the right fit, we’ll make sure you’re set up for success.

¹ Market commentary and rate forecasts are provided for informational purposes only. Federal Reserve forecasts are subject to change based on economic conditions and are not guaranteed. Lakeview does not guarantee future market movements or outcomes. Customers should carefully consider their personal financial situation before making refinancing decisions.