Here’s How to Lower Your Mortgage Payment After Closing (Loan Recast Explained)

If you’re buying your next home before your current one sells,

there’s a smart move you can make once that sale closes — a loan recast.

In this quick video,

I break down how a recast works on a conventional loan:

you apply a lump sum to your principal, the loan gets re-amortized over your remaining term, and your monthly payment drops —

all without a refinance, new closing costs, or a credit pull.

This is a strategy a lot of buy-before-you-sell homeowners don’t know about,

and it can make a real difference in your monthly cash flow once your old home sells.

👇 Comment “RECAST” below

I’ll send you exactly how to ask for a recast from your lender.

📍 Kevin Brierton | Branch Manager, SVP | Luminate Bank
🌐 kevinbrierton.com
📱 NMLS #599873

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