Refinancing with your CPA and financial advisor
Bring the loan, tax, and liquidity questions into one conversation before refinancing.
By Kyle Perks · Updated September 4, 2026
Give each advisor a clear job
Your lender explains the available loan structures and costs. Your CPA evaluates the tax treatment. Your financial advisor considers liquidity and investment goals. A coordinated decision starts with a shared set of facts.
Prepare a short comparison
- Your current balance, payment, interest rate, and remaining term.
- The proposed loan amount, term, payment, and closing costs.
- How long you expect to keep the property and loan.
- Whether you will take cash out, and how it will be used.
Have your CPA review tax assumptions
Mortgage-interest deductions depend on the debt, use of proceeds, timing, and your tax circumstances. Refinancing points can have different treatment from purchase points. Ask your CPA to apply the current rules to your situation; splitting debt across loans does not automatically create an additional deduction. See IRS Publication 936.
Make the tradeoff explicit
A smaller monthly payment can come with a longer repayment period or higher upfront costs. Ask for a side-by-side comparison using your expected holding period. This guide does not assume a particular tax benefit or promise a savings amount.
Educational information; loan options depend on current program rules and your circumstances. Kyle Perks NMLS# 907142 · Stonehaven Mortgage NMLS# 901574.