What's a Smart Refinance? A no-cost mortgage refinancing option that can save you time and money. Want to refinance your mortgage for a lower rate, different.

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I just received a packet from my bank about a "mortgage recast". The same size payment would save you the same amount of money whether you recast or.

However, if your lender offers a recast — and you have some extra cash. Recasting your mortgage may not make sense if you have credit cards to pay off.. By reducing your loan rate on a 30-year fixed loan, you could potentially save tens or.

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Try our easy-to-use refinance calculator and see if you could save by refinancing. Estimate your new monthly mortgage payment, savings and breakeven point.

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You can speed up paying off your mortgage by making biweekly payments. With that in mind, if you already have emergency savings and are putting. sum payment to recast a loan, but other firms may only require $5,000.