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<p>[QUOTE="Clawcoins, post: 3413817, member: 77814"]That's what I do. Roll add'l $ to a high yield savings account and roll it back down each year and make a lump recast payment.</p><p><br /></p><p>I don't have a small CU. They offer the lowest fees around. I haven't found a mortgage instrument like yours (unless it is a variable or adjustable) and from an investor standpoint it's not a fixed loan.</p><p><br /></p><p>Recasting is nothing new for fixed term mortgages. If you google it you find out a lot of lenders offer it as long as it's not a FHA/VA note. you'll find articles galore about it even on realtor sites</p><p><a href="https://www.realtor.com/advice/finance/what-is-a-recast-mortgage/" target="_blank" class="externalLink ProxyLink" data-proxy-href="https://www.realtor.com/advice/finance/what-is-a-recast-mortgage/" rel="nofollow">https://www.realtor.com/advice/finance/what-is-a-recast-mortgage/</a></p><p><a href="https://www.thetruthaboutmortgage.com/mortgage-recasting-101-how-it-works-and-what-it-does/" target="_blank" class="externalLink ProxyLink" data-proxy-href="https://www.thetruthaboutmortgage.com/mortgage-recasting-101-how-it-works-and-what-it-does/" rel="nofollow">https://www.thetruthaboutmortgage.com/mortgage-recasting-101-how-it-works-and-what-it-does/</a>[/QUOTE]</p><p><br /></p>
[QUOTE="Clawcoins, post: 3413817, member: 77814"]That's what I do. Roll add'l $ to a high yield savings account and roll it back down each year and make a lump recast payment. I don't have a small CU. They offer the lowest fees around. I haven't found a mortgage instrument like yours (unless it is a variable or adjustable) and from an investor standpoint it's not a fixed loan. Recasting is nothing new for fixed term mortgages. If you google it you find out a lot of lenders offer it as long as it's not a FHA/VA note. you'll find articles galore about it even on realtor sites [url]https://www.realtor.com/advice/finance/what-is-a-recast-mortgage/[/url] [url]https://www.thetruthaboutmortgage.com/mortgage-recasting-101-how-it-works-and-what-it-does/[/url][/QUOTE]
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