Guides
Read before you call your servicer
Short, sourced explanations to read alongside the calculators.
What Is a Mortgage Recast?
How a recast works, what it costs, who qualifies, and how it differs from prepaying or refinancing.
Mortgage Recast Fees and Requirements
What servicers charge, minimum lump sums, timelines, and what two lenders actually publish.
Can You Recast an FHA, VA, or USDA Loan?
Why government-backed loans are usually excluded and what to do instead.