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House Refinance Center

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Mortgage Tip

If you have a fixed rate mortgage, and your monthly
payments include a portion for house taxes, and
another portion for insurance, your payment might
be reduced. Your insurance can decrease
because of no claims against you, and the taxes
can decrease because of lower property values in
your neighborhood.

Check your escrow account. If there is a reduction
in the monthly payments, you can ask your lender
to assign the difference to the principal each month.

Alternatively, you can ask the lender to reduce your
monthly mortgage payments.