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refinance

HypoNavi: Mortgage Calculator — iPhone and Android app to compare mortgage offers, model refinance break-even, stress-test post-fixation rate hikes, and run extra-payment scenarios. Standard annuity formula. Free, offline, no tracking. By Lapnito.

JubileeLoan is a deterministic financing specification for refinancing school loans that have exceeded 15 years in repayment. It applies a one-time 1% interest charge to the total refinanced loan balance, preserves the borrower's existing monthly payment, and limits repayment to 10 years, with any remaining eligible balance permanently extinguished through a mandatory debt jubilee. https://roxanneardary.com/jubileeloan/

LoanRenew is an open source specification for deterministic refinancing with renewable capital, designed for a personally owned lending business. It combines transparent loan repayment, automated capital reinvestment, investor participation and dividend elections, mortgage and title services, public-record verification, tax reserve reconciliation, and comprehensive financial reporting into a modular architecture.

LoanSphere is an open source specification for connected lending systems, providing a modular framework for defining, managing, and integrating loan programs. It enables lenders and financial organizations to configure qualification criteria, interest rates, repayment structures, workflows, documentation, and lending operations while maintaining control over their own policies and requirements. https://roxanneardary.com/loansphere/