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Most homeowners have no idea this exists and your mortgage company will NEVER bring it up. A mortgage recast can permanently lower your monthly payment without refinancing, without a credit check, and without an appraisal. It costs around $250. In this video I break down exactly how it works, who qualifies, and what I wish I had known before I refinanced in 2020. This is truly the understanding of mortgage recasting vs mortgage refinancing.
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