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ways to lower your mortgage payment

Your mortgage is probably your biggest expense every month. So how can you make it smaller? There are many ways to lower your monthly mortgage payments, but they may not all be right for you (and.

A home loan refinance can save you money — especially with today’s low rates. But, even WITHOUT a refinance, there are ways to save money on your mortgage.

Mortgage payments can be one of the biggest parts of your monthly outgoings so it’s always a good idea to find ways in which to reduce these payments. Here are 7 practical methods that work without going to the extreme length of refinancing.

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Your mortgage payment is the biggest bite out of your paycheck, so that seems like the logical place to start. Here are some ways that may help you lower your monthly mortgage payment and.

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After your mortgage, your electricity bill is probably your next highest bill. Fortunately, most power companies offer free or low-cost energy audits to help you determine ways to lower your electric bill. Use the money you save to pay off your mortgage faster.

1. Extend your repayment term. A simple way to lower your mortgage payment is to extend your term (which is also referred to as re-casting or re-amortizing). You don’t need to refinance your mortgage to do this because most lenders will simply offer this service for a fee of about $250.

The lower your monthly debt load, the more money you will have available to invest for the future. Keep in mind, though, that you might not want to look at all debts in the same way. For example,

1. Refinance Your Mortgage. Refinancing is the most common way to lower your mortgage payment. If you can secure a lower interest rate than your current mortgage and the numbers make sense, refinancing your mortgage can save you hundreds of dollars every month. That means more excess cash flow in your pocket to invest.

Lowering your mortgage payment without refinancing takes some work on your part. But there are several ways you can achieve this. Re-amortizing your mortgage and checking to make sure you have the lowest homeowners insurance can both help.

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