A smarter way to refinance — structured to keep your new loan balance the same as your current payoff by using lender credits to help offset closing costs.
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3 Reasons This Is Worth Checking
Clear monthly savings + break-even
2–3 refinance paths (not just one quote)
No pressure — if the math isn’t strong, I’ll tell you
How it Works
1
Click Check Eligibility
2
I run the numbers + build your options
3
You decide if it’s worth it (only if it makes sense)
Fast. Private. No pressure. (Takes about 5 minutes)
See Why Hundreds of Homeowners Trusted Michael Faulkner With Their Home Loan
*Refinancing may result in finance charges that may be higher over the life of the loan. Consult with your loan advisor for details.
Frequently Asked Questions
What is the Exact Match Refinance Program™?+
The Exact Match Refinance Program™ is a refinance strategy designed to help eligible homeowners refinance without significantly increasing their loan balance. Instead of rolling eligible lender and title fees into the new loan, lender credits may be used to offset those costs, with the objective of keeping the new loan amount close to the existing payoff.
How does the Exact Match Refinance Program™ keep my loan balance from increasing?+
In eligible scenarios, lender credits are applied to offset certain lender and title fees. Because those eligible fees are not added to the new loan balance, the refinance is structured so the new loan amount closely matches the current mortgage payoff. Closing costs are not eliminated — they are offset through lender credits.
Do I have to pay closing costs out of pocket with the Exact Match Refinance Program™?+
Not necessarily. In eligible scenarios, lender credits may reduce or eliminate the need to pay certain lender and title fees out of pocket. However, prepaid interest, escrow (impound) reserves, and other required items may still be due at closing depending on your loan program and situation.
Are interest rates higher when using lender credits?+
Lender credits under the Exact Match Refinance Program™ are based on interest rate selection and market conditions. In many cases, interest rates associated with lender credits may be higher than comparable no-credit options. Your loan officer can review both structures so you can determine which approach best aligns with your financial goals.
What costs are not covered by lender credits?+
Lender credits under the Exact Match Refinance Program™ typically apply to eligible lender and title fees. They do not eliminate prepaid interest, escrow or impound reserves, property taxes due, homeowners insurance premiums, or other required closing items. All costs will be fully disclosed prior to closing.
How do impound (escrow) accounts work with the Exact Match Refinance Program™?+
If an impound account is required or elected, initial reserves and any due tax or insurance amounts are typically collected at closing. To help preserve loan balance consistency under the Exact Match Refinance Program™, borrowers are generally recommended to pay required impound reserves and any due amounts as cash to close rather than rolling them into the new loan balance. Requirements vary by program and borrower.
Who qualifies for the Exact Match Refinance Program™?+
Not all loan programs or borrower scenarios will qualify for the Exact Match Refinance Program™. Eligibility depends on factors including credit profile, loan type, property details, market conditions, and underwriting guidelines. All loans are subject to credit approval and applicable lending requirements.
