We are sorry but Lower My Payment Specialists can only assist with Conventional Loans. Our specialized program is designed to optimize and reduce payments specifically for Conventional Loan borrowers. If you have an FHA or VA loan, we recommend consulting with a mortgage advisor who specializes in those loan types to explore your options for lowering your payments. Feel free to contact us if you have any questions about Conventional Loans or need guidance on transitioning to one. Our goal is to help you unlock financial freedom with lower mortgage payments.

We are sorry, but we are not able to help you at this time because one of our lender's requirements is that you have been current with your payments for the past 24 months. Once you have made your payments on time for 24 months, we may be able to assist you in lowering your mortgage payment through our program. In the meantime, we recommend focusing on maintaining consistent on-time payments to meet this eligibility criterion. If you need additional financial advice or support, feel free to reach out to our customer success consultants, who can provide guidance tailored to your current situation. Keep this requirement in mind, and we're here to help you achieve financial freedom with lower mortgage payments as soon as you're eligible.

If you have existing liens on your property, we regret to inform you that we may not be able to assist you with our program at this time. The lenders we work with require that there be no other liens on the property for the program to be effective. This is a stringent requirement to ensure the success of refinancing options and achieving lower mortgage payments. We recommend resolving any lien issues first and then reaching out to us for further assistance in unlocking your financial freedom with lower mortgage payments. If you have any questions or need guidance on how to clear existing liens, please contact us, and we'll be happy to help.

At Lower My Payment Specialists, we assist homeowners in reducing their mortgage payments, including the removal of Private Mortgage Insurance (PMI). To qualify for PMI removal through our program, lenders require that you have at least 20% equity in your home. If you meet this criterion, we can help guide you through the process of removing PMI and potentially lowering your monthly payments. However, if you do not yet have 20% equity in your home but wish to attempt PMI removal, it's important to understand that you are taking the risk of being denied. You might still choose to proceed by indicating "YES" or "I'm unsure" on the relevant sections of our qualifying questionnaire, but please be aware of the potential for denial based on your equity status. Our goal is to help you achieve financial freedom with lower mortgage payments, and we’re here to support you every step of the way.

Lower My Payment Specialists specializes in reducing mortgage payments by eliminating Private Mortgage Insurance (PMI) from your monthly payment. PMI is a type of insurance that borrowers typically pay when their down payment is less than 20% of the home’s value. Our program leverages the removal of PMI to help you save on your mortgage costs. If you do not currently pay PMI to your lender, we regret to inform you that you do not qualify for our mortgage payment lowering services. This is because our primary method to achieve the savings for homeowners like you hinges on removing PMI from your payments. If you have any other questions or need assistance in exploring other financial solutions, please feel free to contact us.