refi_breakeven

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Calculation, not advice. Verify with a professional before acting. Deterministic mortgage refinance break-even analysis. Given your current loan (balance, rate, remaining term) and a refinance offer (new rate, new term, closing costs, optional points), computes: monthly P&I savings; the cash-flow break-even month (total refinance cost divided by monthly savings, CFPB convention); the lifetime interest delta over your remaining-term horizon; a term-matched scenario that isolates the rate cut from a term reset; a term-reset-trap flag (lower payment but higher lifetime interest from extending the term); and the economic break-even (net-worth crossover) month using an equal-outflow invest-the-savings model. Rate-and-term refis only (cash-out and tax effects are out of scope). All defaults cite primary sources (LodeStar/ALTA closing-cost data, CFPB break-even convention). Scalar output, no chart series.