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If you want to lower your monthly mortgage payment without refinancing or changing your interest rate, there’s a strategy most homeowners don’t know about it’s called a mortgage recast. A mortgage recast lets you apply a lump-sum payment (from savings, a bonus, or inheritance) directly to your principal balance. Your lender then recalculates your loan based on the lower balance spreading it out over the remaining term and your monthly payment drops, often by hundreds of dollars. It’s one of the
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