This is much lower than the costs associated with refinancing.Benefits of Mortgage RecastingLower Monthly Payments: The most immediate benefit is a reduced monthly payment, which can free up cash for other financial goals.Save on Interest: By reducing your principal balance, you’ll pay less interest over the life of the loan, potentially saving thousands of dollars.No Credit Check or Appraisal: Unlike refinancing, recasting doesn’t require a credit check, income verification, or home appraisal, making it a quicker and simpler process.Keep Your Current Interest Rate: If you have a favorable interest rate on your current loan, recasting allows you to maintain it while still lowering your payments.Drawbacks of Mortgage RecastingRequires a Lump Sum: Not everyone has the cash on hand to make a significant lump sum payment, which can make recasting inaccessible for some homeowners.Doesn’t Shorten Loan Term: While your monthly payments are lower, recasting doesn’t reduce the length of your loan.

@Kedric Naylor, feel free to say no.

I'll send you a message, feel free to reach out any time, no pressure or obligation at all.

If you ever want to chat or need advice, feel free to reach out.

I only hope my own posts recounting what my hyperlocal experiences have been like here in Pittsburgh, the self-styled "Paris of Appalachia," do not in any way encourage people to follow the OP's lead.

His work products and many others can be found with simple google searches for free online.

Feel free to DM if you'd like to discuss any ideas!

Or free up more of your time depending on your goals?

Trustin your PM partner is important and they will follow your lead, so don't expect them to provide you with your business plan. 

Feel free to reach out and we can give you information on our experience.