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Is refinancing right for you?

Rural 1st was founded on securing the future of rural communities. As the leader in rural lending, we’re proud to work with our rural neighbors. Use our refinance calculator to discover how gratifying the monthly savings or reduced interest from today’s refinance options could be.

Need a new mortgage instead? Check out our mortgage calculator.


This is when you took out your original mortgage


A shorter loan term will have a higher monthly payment, but less interest over the life of the loan

How This Refi Stacks Up

 Original MortgageRefinance
Loan Amount--
Interest Rate--
Monthly Payment*--
Years Left in Term--
Interest Left to Pay--
Total Remaining Cost--

This calculator is based on the Annual Percentage Rate (APR) being fixed to maturity. Down payment requirements apply. Additional loan fees may apply. Example of monthly payment provided assumes that any taxes, insurance or points to be paid at closing are not financed into the loan amount. The information provided by this calculator is for illustrative purposes only, and Rural 1st does not guarantee any of the information obtained by this calculator. All loans are subject to credit approval and eligibility requirements. This calculator cannot prequalify you for a loan, and qualification requires additional information.

*Monthly payment is based on principal and interest payment only, and if the loan requires or has an escrow account for taxes and insurance, the payment amount will be higher.

Learning Center Resources

A couple shaking hands with a Rural 1st loan officer on the porch of their new rural home.

Interest Rate Locking and How it Works

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A family of five walking down a rural gravel driveway.

Rural Property Finance Checklist

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A pickup truck parked in the driveway of a newly constructed rural home.

What’s an ARM Loan, and What Does it Mean for You?

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Explore Your Options

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