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Smart strategies to reduce your monthly mortgage costs
A larger down payment means a smaller loan, lower monthly payments, and you may avoid PMI if you put 20%+ down.
Higher credit scores qualify for lower rates. Even a 20-point improvement can save you 0.25% or more.
Compare at least 3-5 lenders. Rate differences of 0.5% save tens of thousands over the loan's lifetime.
Buying discount points upfront can lower your rate by 0.25% per point, saving money long-term if you stay put.