can i lower my mortgage payment without refinancing

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Refinancing is the most common way to get a lower mortgage payment. However, many lenders are willing to figure out a better repayment plan, without a refinance. Your financial circumstances and your lender will determine whether you can reduce your payments without refinancing.

I just got a statement in the mail that my property taxes were short approx. $3,000 for the year AND my taxes went up so the company which holds my mortgage has raised my mortgage payment up $500 starting in Feb. 08 to cover the back due taxes as well as the new escrow amount.one option they are giving me is to pay the past due taxes and my mortgage will only go up $250 to cover the new.

how to qualify for fha FHA Loans – Documents Needed for Loan Application – FHA-Home-Loans.com is not a mortgage lender and does not make or offer fha loans directly or indirectly. Information about fhasecure refinance program to help borrowers who are facing foreclosure and must refinance.FHA-Home-Loans.com is owned and operated by a private company specialized in providing information about FHA loans and does not make or offer fha home loans and FHA mortgages.

Paying extra on your mortgage can shave years off your home loan and save tens of. without wasting hundreds of dollars a year on an accelerated payment plan.. never reduce the minimum monthly payment or allow you to skip a payment.. to discipline yourself to pay off your home loan sooner, consider refinancing for.

Option 2: Prepay Your Mortgage. If your goal with refinancing isn’t necessarily to cut your monthly payment, prepaying your mortgage can help you save money over the life of your loan. Paying just a little bit extra each month can seriously reduce the amount of interest you pay over the life of your loan.

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The bottom line. The most straightforward way to snag a lower interest rate after you already have a mortgage would be to refinance, but there are other ways to reduce your loan costs like making extra loan payments whenever you can and dedicating financial windfalls to your outstanding balance.

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Forbearance – If your financial hardship is temporary, your lender may be willing to reduce or even suspend your mortgage payments for a period of time until you can resume making your regular payment. Refinancing Your Loan – If your credit is good, refinancing might be an option. If your current loan has a high interest rate, refinancing at a.

Here are some ways you can lower your monthly payment.. Refinance Your Mortgage . Should you refinance?. These extra payments will help you satisfy the loan more quickly, without obligating you to make massive payments if, say, there’s an emergency that leaves you cash-shy for a month or.