Thinking about putting 10–15% down to “save” on your monthly mortgage payment? You might be doing it all wrong. Here’s a smarter play I teach my clients: Put the minimum down (3–5%) to lock in a lower rate, then recast your loan with a lump sum within 90 days. You’ll likely end up with a lower interest rate AND a lower monthly payment—crazy, right? Most lenders don’t explain this because it doesn’t benefit them… but I’m here to help it benefit you. My wife and I used strategies like this to dig

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