Four Refinances · 26 Months · Principal > Interest
Here’s how much equity you could have in 26 months
The goal: four refinances over the next 26 months. Each one converts an unused, lender-paid buydown subsidy into a direct principal paydown — and each new loan is written one year shorter than the last. The alternative is doing nothing. Enter your loan amount — everything below updates instantly.
$
Your total equity in 26 months
$33,139
Four refinances on a $400,000 loan — each new loan a year shorter, and every unused buydown subsidy swept onto your principal, the last one at the month-26 payoff. Do nothing and you’d have $7,776. The bank doesn’t send a reminder.
Equity Engine
$33,139
Four refinances · every unused subsidy applied by the month-26 payoff
Doing nothing
$7,776
Equity after 26 months of normal payments
Equity built over 26 months — four refinances vs. doing nothing
Where the number comes from
1
Refinance four times over 26 months
Starting today. Each new loan comes with a lender-funded 2-1 buydown — about $9,575 deposited into a subsidy account on your loan, every single cycle — and is written to a whole-year term one year shorter than the loan it replaces: 29, 28, 27, then 26 years.
2
Most of the subsidy goes unused
The buydown is built for two years of lower payments — but you refinance at month six. Most of each subsidy is still sitting in the account at payoff.
3
Unused subsidy directly reduces your principal at payoff
One hundred percent of it, at every payoff. That’s the staircase in the chart above, and it’s equity you own.
Stop making payments. Start building equity.
Get your full $33,139 report — the refinance-by-refinance schedule with real dates, the exact subsidy math on your loan, and what it takes to run the play.
Here’s what we’ll deliver to you after you sign up
Equity Engine
Your Equity Engine Report — month by month, with real dates
Month-by-month · loan balance + subsidy balance
Mo
Loan balance
Subsidy balance
What happens
0
$400,000
—
You start refinance 1 today
1
$399,725
—
2
$399,448
$9,575
REFI 1 closes · subsidy funded
3
$399,148
$9,047
First lower payment
4
$398,846
$8,519
5
$398,542
$7,990
6
$398,236
$7,462
Refi 2 process begins (~45 days out)
7
$397,928
$6,934
8
$391,213
$9,286
REFI 2 closes · $6,405 unused subsidy → principal
9
$390,892
$8,773
Delivered to your inbox · all 26 months
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Ready now?
Skip ahead — let’s talk it through.
Fifteen minutes. We’ll map the four-refinance schedule to your exact loan and tell you if the play makes sense for you. Your numbers are already filled in — just pick a time and you’ll get a calendar invite instantly.
