Denise handles refinance and equity files. The arithmetic is the job: what it costs to access equity, what the new payment looks like, and the month at which the costs are recovered.
She puts that on one page before anything else happens, with the break-even date written out. A refinance that does not reach break-even before a homeowner expects to sell is worth saying out loud.
Cash-out and second-lien questions get the same treatment, including the case where the answer is to leave the existing loan alone.
A break-even date is a fact about a loan. It belongs on the first page, not the last.
A made-up team member, written to illustrate a refinance role. No licence identifier appears here, because inventing one in a real registry's format could collide with a working loan officer's record.