I just lowered el niño 2026 my mortgage payment by nearly $500 per month — without martín landaluce refinancing, without changing my interest rate, and without taking out a new loan. In this video, I break down exactly how a loan recast works, show you my real bank statements and amortization table, and explain how you can create financial flexibility in today’s inflation-heavy economy. If you own a home and want lower payments while keeping control of your cash, this strategy could save you thousands.
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00:00- Intro
:40 - Why would you want to do a mortgage loan recast
3:10 - What is a loan recast
3:32 - Let's go over the numbers on this real estate flip
4:50 - This is all the mortgage information for my home loan
7:40 - This is my loan recast agreement from the mortgage company
10:10 - The interest rate on my loan is 5.25% because I banff did an interest rate buy down as closing
11:35 - Here's the main difference between doing a loan recast and doing a refinance
14:17 - What is the goal in real estate when we borrow money
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