Refinance to a lower interest rate
Extend the loan term
Remove private mortgage insurance if eligible
Request a loan modification
Recast the mortgage if allowed
Shop for lower homeowners insurance
Appeal property taxes if overassessed
Make a larger down payment on a new loan
Switch from an adjustable-rate mortgage to a fixed-rate mortgage if beneficial
Eliminate escrow if permitted and manage taxes and insurance separately
Pay down principal to improve loan-to-value ratio
Avoid unnecessary extra fees or optional add-ons
Compare offers from multiple lenders
Improve credit score before refinancing
Use first-time buyer or assistance programs if eligible