Rate & Term Refinance Explained: The Three Layers of Savings Most People Miss

Toni Taylor Gozza

Published on: 14/07/2026

A rate and term refinance has three layers of savings and most people only see the first one. Real numbers on a $485,000 conventional loan and the free toolkit that runs it for your loan. Presented by Toni Taylor Gozza NMLS #274323.