Aesepus Technology
We build smart, free web tools that help everyday people navigate complex financial decisions — clearly, quickly, and without a paywall. RefinanceUSA is one of our flagship products.
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All inquiries — questions, partnerships, and business communication — go to contact@aesepus.com. We aim to respond within 2–3 business days.
About Aesepus Technology
Aesepus Technology is a software and web development company focused on building practical tools that solve real problems. We believe that powerful financial calculators, data tools, and decision-support software should be free, fast, and easy to understand — not locked behind paywalls or buried in complicated interfaces.
Our team combines expertise in software engineering, financial literacy, and user experience design to deliver products that people can actually use and trust. RefinanceUSA is one of our flagship products — built to answer one of the most common questions homeowners ask: "Is it worth refinancing my mortgage right now?"
What We Can Help With
- Calculator accuracy questions — if a result looks wrong, tell us what inputs you used and what you expected
- Content corrections — if you spot an error in our state guides or blog posts, please let us know with a source
- Feature suggestions — we prioritize features that help the most homeowners
- Partnership and co-marketing proposals — relevant, high-quality partnerships in the personal finance or real estate space
- Press and media requests — quotes, data requests, and editorial inquiries from journalists and publishers
- Privacy and data requests — handled promptly at privacy@aesepus.com
What We Cannot Help With
RefinanceUSA is a free educational calculator tool — we are not a mortgage lender, broker, or financial advisor. We cannot:
- Provide personalized mortgage rate quotes or loan pre-approval
- Give you specific financial or legal advice about your refinance situation
- Connect you with lenders or brokers
- Provide exact closing cost figures for your specific loan
For personalized guidance, we recommend contacting a HUD-approved housing counselor or a licensed mortgage professional in your state.
Explore Our Free Calculators
All RefinanceUSA tools are free, instant, and require no sign-up.
- Mortgage Refinance Calculator — compare your current loan against any new offer, side by side
- Break-Even Calculator — find out exactly how many months until your refinance pays for itself
- PMI Removal Calculator — see if you've hit 20% equity and can drop private mortgage insurance
- Mortgage Savings Calculator — estimate total interest savings over the life of the loan
- Loan-to-Value Calculator — check your LTV ratio and how it affects your rate
- Refinance Cost Calculator — estimate your total closing costs before you apply
- Cash-Out Refinance Calculator — model how much equity you can access and what it costs
Refinancing Guides & Resources
- How to Use the Refinance Calculator — step-by-step walkthrough of every input and output
- The 10-Step Mortgage Refinance Process — from rate shopping to closing day
- Refinance Situations: When It Makes Sense — cash-out, rate reduction, ARM conversion, and more
- The 1% Refinance Rule — quick rule of thumb, explained with real numbers
- Refinance Rules by State — closing costs, attorney requirements, and local taxes for all 50 states
- Mortgage Refinance Glossary — plain-English definitions of every term you'll encounter
- Blog & Articles — in-depth guides on timing, costs, savings, and strategy
More About Us
- About RefinanceUSA — our mission, values, and the team behind the tool
- Editorial Policy — how we research and write our content
- Privacy Policy — how we collect and use data
- Terms of Service — the rules governing use of this site
- Disclaimer — limitations and disclosures about calculator results