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Now that see how you can save money on your mortgage, here is how you begin. The first thing you should do after reading this site is to take out your mortgage note. Look at the note to see if there are any prepayment penalties. A prepayment penalty is a fee the lender may charge if you pay off your loan early. Most fixed rate mortgages today do not carry prepayment penalties. Carefully read your note to see if there are any penalties. If you have an adjustable rate mortgage, there may be prepayment penalties if you pay off a certain percentage in the first couple of years. As stated earlier, pull it out and read it.
Next, you will need to obtain an amortization schedule. If you do a search on the web you should be able to find one easily. An amortization schedule is very important so you can track your payments, plus to make sure that the banks credit your account properly. Which leads to…The Correct Way to Send In Your Prepayment.
67 Responses to “Getting Started Prepaying Your Mortgage”
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