THREE THINGS YOU CAN DO TO LOWER YOUR MONTHLY HOUSE PAYMENT
Evaluate your homeowner’s insurance
- Review your coverage | Make sure you’re not over-insured for what your home would actually cost to rebuild
- Raise your deductible | A higher deductible usually lowers your premium; just know you’ll cover more yourself if you file a claim
- Bundle and shop around | Combining home and auto, or getting fresh quotes every couple years, can cut the bill
Refinance your mortgage
- Extend the term | Spread payments over more years to lower the monthly amount
- Drop PMI | Once you hit 20% equity, you can stop paying private mortgage insurance
- Lower your rate | If rates have fallen since you closed, refinancing can shrink the payment
- Recast the loan | Put a lump sum toward principal and re-amortize, without a full refinance
Reduce your property taxes
- Hire ProtestPRAD.com | We handle the whole protest for you, start to finish
- File every single year | Even when your value holds, an annual protest forces the district to justify future increases
- Claim every exemption | Homestead, over-65, disability, and more; most people miss at least one
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The protest deadline is generally May 15, or 30 days after your appraisal notice is mailed — whichever is later. Enroll early so we have the time to build the strongest case for your property.
CLick to enroll →