Smart Mortgage Strategy

Renee Hill, Loan Originator · NMLS #2244489

🏠 Calculator 🔄 Refinance 💳 Debt Restructure 📊 Compare 🎯 Smart Debt Strategy 🏡 First-Time Buyer
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Goal
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Mortgage
3
Debts
4
Cash
5
Budget
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Results

🎯 What's your primary goal?

We'll run 4 different strategies and show you which path gets you there fastest.

🏁
Debt Freedom ASAP
Pay off everything as fast as possible
💰
Save on Interest
Minimize total interest paid over time
📈
Free Up Cash Flow
Lower monthly obligations quickly
⚖️
Balanced Approach
Best overall outcome across all factors

🏠 Your Current Mortgage

Tell us about your home and current loan. We'll use this as the foundation for your plan.

e.g. 25 years left = 300 months
Leave 0 to auto-calculate from balance/rate/term

💳 Other Debts

Add all non-mortgage debts. Include credit cards, auto loans, personal loans, student loans — everything.

Total Non-Mortgage Debt$0
Total Required Payments$0/mo
Weighted Avg Interest Rate—

🏦 Available Cash & Savings

We'll identify how much cash you can safely deploy to accelerate debt payoff while keeping a comfortable reserve.

Checking, savings, money market accounts
We won't touch this. 3–6 months of expenses is typical.
Total Cash
Less: Emergency Reserve
Available to Deploy

🔄 Refinance Parameters

If a cash-out refi could help, what rate could you qualify for? (We'll only recommend it if it actually helps.)

⚠️ Important: Our system will only recommend a refinance if it genuinely improves your Debt Freedom Date compared to other strategies. If it doesn't help, we'll clearly say NO REFINANCE RECOMMENDED.

📅 Monthly Payment Commitment

Your total current required payments vs. what you can commit each month. We'll show you how much difference a little extra makes.

Mortgage P&I (required) $—
Other debt minimums (required) $—
Total Required Monthly $—
$0/mo
Required minimum +$5,000/mo
Extra above minimums: $0/mo

🏁 Your Fastest Debt Freedom Date

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Run the analysis to see your results

📉 Total Debt Balance Over Time

💬 Plain English: Here's What This Means For You

📋 Your Payments At a Glance
Total Required (minimums) —
Recommended (best strategy) —
The required payment keeps you current. The recommended gets you debt-free on the best timeline.

Ready to put this plan into action?

Renee Hill can help you evaluate your options and structure the right loan for your situation — no pressure, just real numbers.

📞 Call Renee: 314-704-8051

Apply Online →
Disclaimer: This analysis is for educational and illustrative purposes only. Actual rates, payments, and outcomes may vary. Contact Renee Hill for a personalized assessment. Renee Hill, NMLS #2244489 · USA Mortgage · 16091 Swingley Ridge Rd, Ste 210, Chesterfield, MO 63017