Here’s how you can lower your mortgage payment without refinancing! #mortgagetips #refinancing | Julie Johnson
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🪂 Tips for Mortgage Borrowers: Understanding Recast vs. Refinance Knowing the difference between recasting and refinancing is crucial for managing your mortgage: ▪︎ Recast: Make a lump sum payment towards the principal to lower monthly payments. You keep the original loan with no credit check, and usually for a small fee.🎏💡 ▪︎ Refinance: Replace your existing mortgage with a new loan that may change the interest rate or allow cash withdrawals. This can save more overtime but involves closing
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