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Interest payments tend to be higher for longer-term, fixed-rate loans (i.e. 30-year vs. 15-year mortgages). To get a lower rate, borrowers have to refinance the loan — and pay closing costs again.

An in-depth look at how mortgage rates are determined, including the impact of credit score, down payment, bond prices, and the wider economy. Curious how the lender came up with your mortgage rate? find out here!

Can You Get a Lower Mortgage Rate without Refinancing? Find. – Most people are refinancing as soon as the rates fall, without taking the high closing cost and the fact that they are basically resetting their mortgage into consideration. For some, lowering their mortgage interest rate is the only way they can get some peace of mind, so current mortgage rates today seem very attractive.

Two Tips to Lower Your Mortgage Payment Today But because you’re amortizing a lower principal amount, you end up with a lower monthly mortgage payment – without refinancing your home. Essentially, you are reducing your monthly payments over the remaining term of the loan, while keeping the same interest rate.

Mortgages Of Canada – Mortgage Brokers – Refinancing. – Mortgages of Canada offers some of the best financing options available. Refinancing, reverse mortgages, home equity loans, commercial and more, with 50-plus lenders we can finance almost any situation. As seen on CBC, CTV, Forbes.

Get a Better Mortgage Rate Without Refinancing – Even still, rates are quite low. freddie mac puts the average mortgage rate for 30-year mortgages at 4.17% in February of this year, and banks aren’t likely to majorly Are you thinking about refinancing your mortgage? It’s not terribly difficult, but it is enough of a hassle that some people don’t even bother.

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.

How to Reduce Your Monthly Payment Without Refinancing. – Every lender has its own policies for reducing rates; some do it rarely, while others are more willing to reduce rates without refinancing. Cite your credit history and loan status when contacting.

Check out our Refinance Calculator to see how a new rate and term could lower your monthly mortgage payment. Or learn how refinancing with PMI Advantage can save you money and taxes. Every day, we help our clients lower their monthly mortgage payment by refinancing.