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Primary Residential Mortgage, Inc.
10121 N Rodney Parham, Suites C & D
Little Rock, AR 72227
855-474-7169
501-225-5626
NMLS # 3094
Branch NMLS # 252910
Licensed by Arkansas Securities Department 11558
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Equal Opprtunity Lender

Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice.

Paying Your Utah Mortgage Off Faster

Your house loan payments aren't just the only thing that you will be paying as soon as you get your mortgage approved. That’s why it’s important that you know how to budget your income very well. But what if there’s a way to cut down some of the costs on your mortgage? You can actually get done with your mortgage much easier than you think. Here are some tips on how to finish your mortgage term earlier than expected.

Make an Extra Payment per Year

If you add an extra payment before the year ends, that will decrease the number of months that’s still left on your mortgage term. So if you’re going to do it each year until the end of your term, you could probably slash two years from your house loan term. This will be huge savings on your part if you’re going to do more than just one extra payment per year.

Try to Enroll Your Mortgage Payment in Auto Pay

Another way to get your loan end quicker is by setting it up on auto- pay to be drafted every week. You can create a budget separating your regular mortgage payment in half. In this way, it would be much easier for you to pay it on time. Aside from that, you can also add a little bit of extra on your payment every once in a while. Every overpayment counts, no matter how small or big it is. So make sure that you make a little extra on your payment.

Remove any Unnecessary Add-ons

Check your mortgage bill breakdown and see if there’s anything there that you deem unnecessary. This may include contents insurance and even building insurance. File a request to your lender from Salt Lake City to have these charges taken off from your monthly mortgage payment. You’ll save a lot if you take off any add-ons that aren’t really necessary. And then you can use that extra money to pay your mortgage in advance.

Request to Have the PMI Removed

PMI only protects your lender located in states like Utah. It gets applied to your account if in case you weren’t able to pay the 20 percent down payment for the house. It basically protects your lender if in case your account goes on default or you weren’t able to consistently make any payments for the past couple of months. Try to see if you can request your lender to have the PMI taken off from your mortgage statement. You can actually save as much as $130 every month just by doing that.

Have Your Property Tax Reassessed

Check if your house’s value went down for the past couple of years. If it did, you may request for your property tax to be reassessed. You might even be able to lower it down as soon as your taxes have been revised.

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