Refinance

See what half a point is costing you.

Enter your numbers. We'll model your current payment against a rate that's 0.5% lower — the difference we can pass on by funding directly.

Home price / value

Remaining balance

Current rate (%)

Years remaining

Your equity

$140,000

Loan-to-value

72%

Your loan now

6.75%

Monthly payment $2,335

Interest over 30 years $480,583

With Baraka

0.5% Lower

6.25%

Monthly payment $2,217

Interest over 30 years $437,969

Monthly saving

$118

Per year

$1,420

Over the full term

$42,614

Estimates only. Figures assume the same remaining term and exclude taxes, insurance and closing costs. Your final terms are confirmed in writing.

Why we can do this

How the half-point savings works.

Traditional mortgages price in bank intermediaries. Baraka funds through investors, so more of the economics can stay with you.

Capital comes from Baraka investors participating in ownership — not a bank markup chain.

We model a 0.5% lower rate against your current loan to show what that funding difference can mean.

Your home stays at the center of an ownership model designed around shared economics.

Share your estimate, review fit on a short call, and receive written terms before anything is final.