Don’t Pay $20K for Six More Months
An extension isn’t a plan — it’s a fee on the same wall.
A 6-month extension runs 1–2 points plus a rate bump. Compare that to putting the same six months into a real exit that pays off the balloon.
5-minute intake. No upfront fees. No funding, no fee.
The problem
Extensions defer the problem and cost $13K–$26K on a typical $1.3M balance, with worse leverage at the end. A refinance lined up now pays off the balloon, clears arrears, and leaves the property on a payment you can actually hold.
Time-Sensitive