HOOK
Thinking about refinancing your mortgage? [Cut to homeowner at kitchen table reviewing mortgage statement] It can save you money, but only if the timing and numbers actually work.
KEY POINT 1
First, look at your interest rate. [On-screen: current rate vs. new rate] If today’s rate is meaningfully lower than your current one, refinancing may reduce your monthly payment or total interest over time.
KEY POINT 2
Next, check your break-even point. [Graphic: closing costs divided by monthly savings] Refinancing comes with closing costs, so ask how long it will take for your monthly savings to cover those upfront fees. If you plan to move before then, it may not be worth it.
KEY POINT 3
Also consider your loan term. [B-roll: calendar flipping, mortgage amortization chart] Resetting from a 20-year balance to a new 30-year loan can lower the payment, but you could end up paying more interest overall. Sometimes a shorter term makes more sense.
KEY POINT 4
Finally, don’t ignore your credit and equity. [B-roll: credit score app, home value estimate on phone] Strong credit and enough home equity can help you qualify for better terms and avoid extra fees like mortgage insurance.
CTA
Before you refinance, run the numbers or ask a lender for a side-by-side comparison. [End card: compare current loan vs. refinance quote] If you want, I can help you build a simple refinance checklist next.
