Good afternoon, Todd. I just read your post about the 3 Break-Evens, and a couple of questions co...

Good afternoon, Todd. I just read your post about the 3 Break-Evens, and a couple of questions come to mind.

1. I feel like Break Evens #1 and #2 are the same, so I’m thinking I’m missing something. Am I?

2. When or how can we determine when a refinance would start accelerating our clients’ net worth? I know I can look at an amortization chart for their current loan and compare it to an amortization chart for the loan being considered, but is that the easiest way?

Thank you!