The Exact Rate You Should Refinance At in 2026 (Simple Formula Anyone Can Use)

Описание: If you want to know the exact rate you should refinance at in 2026, this video breaks down the simple formula anyone can use. No hype, no confusing math, and no guessing.

In this video, California mortgage and real estate expert Mike Sadikian explains the real refinance threshold, the break-even formula, and whether refinancing makes sense for homeowners who bought in 2022, 2023, or 2024.

You’ll learn:
• The real refinance rule of thumb for 2026
• When a 0.5 to 1 percent rate drop actually saves money
• How to calculate your break-even point in seconds
• Example payments at $400K, $700K, and $1M loan amounts
• When refinancing does not make sense
• How long you should stay in the home before refinancing
• The exact rates that make refinancing a no-brainer for 2023–2024 buyers

Whether you have a rate in the sixes, sevens, or even eights, this video shows you exactly when refinancing becomes worth it.
If you want a free break-even analysis, use the link below. I’ll calculate your refinance threshold, run your custom numbers, and show you exactly when it makes sense to refi in 2026.

TIMESTAMPS
00:00 The exact rate you should refinance at in 2026
00:14 Why this formula works for almost everyone
00:33 Who this video is for
00:55 The real refinance threshold (0.5 to 1 percent rule)
02:01 When that rule does not apply
03:05 How to calculate your break-even point (simple formula)
04:05 Real payment examples at $400K, $700K, and $1M
05:45 Best refinance opportunities for 2023–2024 buyers
06:45 How long you should plan to stay in the home
07:23 Final thoughts on your personal refi threshold
08:00 Free break-even analysis CTA