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This is a mortgage hack nobody knows about. It is called a recast, and it can lower your monthly payment without selling your house or refinancing. You take a lump sum of cash and apply it to your principal, then the lender recalculates the payment based on the lower balance. Same rate. Same loan. Smaller payment. This works incredibly well if you buy a new home before selling your current one. Once the old house sells, you can use the proceeds to recast the new loan instead of scrambling to tim
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