How Do You Want to Save?
In 2026, we offer two ways to achieve a $0 out-of-pocket refinance:
Option A: Lender Credit
Accept a slightly higher interest rate, and Metropolitan Mortgage pays your third-party fees for you.
Best for: Short-term ownership (<5 years).
Option B: Principal Roll-In
Keep the lowest possible market rate but add the closing costs to your loan balance.
Best for: Long-term savings & maximum cash-flow.
The Reality of “No-Cost” (Transparency First)
A no-cost refinance doesn’t mean the fees vanish; it means they are shifted. By choosing a lender credit, you exchange a small amount of monthly savings to keep thousands of dollars in your bank account today. This is often the smartest move for families in Johnson County or Jackson County who plan to move or upgrade within the next few years.
In 2026, a No-Cost Refinance is a tool for liquidity, not a discount. You are essentially choosing to finance your closing costs rather than paying for them with cash. This is a common strategy for Overland Park homeowners who want to preserve their ‘equity windfall’ for other investments.
2026 Break-Even Analysis ($450k Loan)
Is a No-Cost Refinance Right for You?
Run your numbers with our Refinance Breakeven Calculator, or ask yourself these three 2026 market questions:
- Will I move in 3–5 years? If yes, a no-cost refinance is almost always the winner.
- Do I have a 740+ Credit Score? Higher scores unlock larger lender credits, making “no-cost” even more effective.
- Is my home value up? With KC home values rising, you might use a no-cost refinance to simultaneously remove PMI.
Save Your Cash for What Matters.
Get a transparent, no-obligation quote from our Overland Park team and see your exact break-even point.