Saving on your mortgage

A mortgage which is too large to afford can force a home into foreclosure, and a family into the streets. Following these quick and easy steps can help to eliminate the possibility of you winding up with a mortgage that you can’t afford!

  • When rates are high, consider buying down your rate by coming up with more money to finance the mortgage.
  • Get pre-approved for your mortgage, rather than just pre-qualified. It strengthens your bargaining position with sellers and their real estate agents.
  • Cancel private mortgage insurance (PMI) once your mortgage reaches an 80 percent loan-to-value.
  • Rent out a room in your home if you have more space than you need.
  • Refinance your home to take advantage of exponentially lower rates
  • Make extra payments to your mortgage even when it’s not due; this will help to cut down on the extra interest you would accumulate otherwise.
  • The faster you pay off your mortgage, the less you will pay in interest!
  • Ask your home builder about incentives which may help to reduce loan costs
  • Make sure that your mortgage doesn’t take up more than 30% of your monthly budget. This will ensure that you can live comfortably with your mortgage payments.
  • Go to mortgagecalculator.org and check out their biweekly payments calculator to see how much you could save!

Moral of the story? Saving money on the mortgage means putting more money towards it early on.

78 Comments on Saving on your mortgage

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