📊 BREAK-EVEN POINT BEFORE A REFI — DON’T SKIP THIS • Compare closing costs vs monthly savings • Calculate how long it takes to recover fees • Short-term plans may not justify a refi • Long-term homeowners benefit most • Numbers matter more than rates Refinancing only makes sense if the math works. At The Onyx Group Mortgage, we calculate your true break-even point so your refi decision is data-driven, not emotional. 📲 Apply now: https://onyxgroupmortgage.com/loan-application 📞 Call/Text: (949
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