Loan Loving - Does touching your mortgage actually pencil out?

What would your payment be?

Principal and interest, taxes, insurance and mortgage insurance in one monthly figure. Then see what rate you actually qualify for.

$
$
%
This week's average, Freddie Mac PMMS (Sep 17)
Taxes, insurance and HOA
% / yr
$/ yr
$/ mo
Estimated monthly payment $0
Principal & interest
$0
Property tax
$0
Home insurance
$0
Mortgage insurance (PMI)
$0
HOA
$0

Loan of $0 · $0 in interest over the life of the loan. An estimate: your rate depends on your credit, the lender and the day.

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Does touching your mortgage actually pencil out?

Rates Just Jumped to Almost 7 Percent, So a Recast Beats a Refinance for Your Windfall
PMI & Recasting

Rates Just Jumped to Almost 7 Percent, So a Recast Beats a Refinance for Your Windfall

A homeowner sitting on a windfall of $15,000 to $50,000 and a note written before this year should almost certainly recast it rather than refinance it, and...

Grant Pemberton • Sep 18, 2026

Fannie Mae Will Let Your Servicer Call About Dropping PMI Now, Here's How to Beat Them to It
PMI & Recasting

Fannie Mae Will Let Your Servicer Call About Dropping PMI Now, Here's How to Beat Them to It

Camille Dufresne • Sep 18, 2026

The number that decides this is 75. A conventional loan between two and five years old can shed private mortgage...
HELOC or Home Equity Loan to Pay Off Credit Card Debt Right Now
Home Equity

HELOC or Home Equity Loan to Pay Off Credit Card Debt Right Now

Rohan Mehta • Sep 18, 2026

Forty thousand dollars sitting on a credit card at around 25 percent accrues roughly $833 a month in interest before...
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