Recommendations (5)
"Mortgage recasting. Rare but real. You make a lump sum principal payment. Lender recalculates your payment. Your monthly payment drops."
Codie Sanchez · ▶ 0:42
"I'd like to explore a rate modification. I've been a strong borrower, but current market rates are lower. What programs do you have for a permanent rate modification?"
Codie Sanchez · ▶ 0:55
"Say, I'm being offered X% with another lender. Can you match it or beat it? Then ask for perks. Do you have any rate reduction, loyalty, or hardship programs I can qualify for?"
Codie Sanchez · ▶ 0:20
"Here's what I expected to do this year. Here's what I actually did. Based on exceeding my metrics, I'd like to request a raise of X."
Codie Sanchez · ▶ 1:17
"Audit your fees. Move to low-cost providers or negotiate the rate down. Say, 'What's the expense ratio and do you charge me a management fee?'"
Codie Sanchez · ▶ 1:35
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