can i lower my mortgage interest rate without refinancing

However, there is another way to lower your mortgage rate without refinancing: a loan modification. Loan modification to lower mortgage rates. If you are having trouble keeping up with your monthly mortgage payments, you can apply for a loan modification to reduce your interest rate and hence, lower your monthly payments.

If you already have your mortgage, there are still plenty of things you can do to lower your current monthly mortgage payment. Refinance your mortgage. One of the best ways to lower your mortgage payment is by refinancing your mortgage. You can utilize our refinance calculator to estimate how much you can save and how your mortgage payment.

How to Lower a Mortgage Interest Rate Without Refinancing. – Your neighbor’s mortgage interest rate is a full point lower than yours. Your co-worker’s is two points lower. You want one of these lower rates, but you don’t want to go through the hassles or pay the costs associated with refinancing your existing mortgage loan: The Federal Reserve Board says that the typical.

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Here’s how to pay off your mortgage years ahead of schedule without breaking the. your principal as soon as you can. Alternatively, if you’re in a position to take advantage of a lower interest.

Lower the Interest Rate on Your Mortgage Without Refinancing. – Yes, calling your mortgage to lower your rate is possible. Especially in this market, with mortgage rate dipping a lot of people are refinancing their mortgage. But instead of refinancing you should talk with your current mortgage company to see if they would lower your rate. Some will do it at no charge and some may charge a fee.

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How to Reduce Your Monthly Payment Without Refinancing. – How Can I Get My Mortgage Interest Reduced?. while others are more willing to reduce rates without refinancing. Cite your credit history and loan status when contacting your lender to make this.

Get a Better Mortgage Rate Without Refinancing – Note that you might still be better off with a refinance. That way, you can play the field and get the best mortgage rates available – perhaps lower than your current lender will offer (assuming they’re willing to play ball). But if you’d rather not go to that trouble, you should at least consider asking your lender for a better deal.

 · Refinancing your mortgage can be a great, money-saving option for many homeowners, especially if your credit score has improved and you’re refinancing for a lower interest rate.

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