10/20/2026
When a recast might make sense:
✅ You got a year-end bonus, inheritance, or other windfall
✅ You love your current interest rate and don’t want to give it up
✅ You want more breathing room in your monthly budget
✅ You already have an emergency fund and no high-interest debt
When it might not:
❌ You’d be wiping out your savings to do it
❌ You have credit card or other high-interest debt to pay off first
❌ You have an FHA, VA, or USDA loan (these usually aren’t eligible)
Quick example: on a $400k loan at 6.5%, putting $15k toward it could save you close to $100 a month. A $50k lump sum? Over $300 a month.
Every lender handles recasts a little differently, so always call yours and ask about minimums and fees.
Have questions about whether this could work for you? DM me “RECAST” and let’s talk. 🏡