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hey guys lets talk about a mortgage recast again as we know its not a refinance it will in fact lower your monthly payments for a one-time fee typically you need about 10 grand is a minimum thats most servicers and what theyre gonna require and also guys its typically a one-and-done you cant just do this every year when you get a bonus so do make sure you use that Silver Bullet wisely so the most often instances where we will see someone do a recast is when perhaps they bought this home this new mortgage that they have and they hadnt sold a previous home so they bought the new home all their equity or a lot of equity is still tied up in that old home so once they sell it they may want to put that money towards the new mortgage and have a payment that is within there within their comfort zone so to speak another instance is if someone comes into a large lump sum of cash and lets pretend they have no debts because thats my recommendation you would pay off consumer debts first be