Lump sum, recast or refi?
Owners sit lump sums yearly. Options mystify.
1. The problem
Windfall owners sit lump sums yearly. Recasts mystify cheap alternatives. Refinances cost thousands closing. Break-evens never calculated. The hardest part is option math fast. A sum might slash payments. That uncertainty makes it hard to save monthly.
“Sitting yearly mystified here. I need breakeven math with request flows.”
2. What exists
Servicers, calculators and advisors weigh recasts, while sitting persists yearly. Servicers hide options. Calculators assume static. There is little help with breakeven math plus request flows for owners.
3. The solution
The solution could be a save-monthly engine. It could math breakevens simply honest. It could request servicers wisely scripted. Terms could compare total. The goal would be right choices, lower payments.
FAQ
Common questions from people facing this problem.
How to weigh recast well?
Math breakevens honest.
How to request recasts?
Scripted servicer asks.
How to compare refis?
Total costs always.
Filed under: low budget ideas
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