Refinance to a lower interest rate
Extend the loan term
Recast the mortgage
Remove private mortgage insurance if eligible
Shop for a better homeowners insurance rate
Appeal your property tax assessment
Make a larger down payment on a new loan
Choose a different loan program
Ask your lender about loan modification options
Reduce escrow amounts if allowed
Pay down principal to improve loan-to-value ratio
Compare lenders for refinance offers
Avoid unnecessary mortgage insurance fees
Use biweekly payments only if it fits your budget
Consider a mortgage assumption if available
Negotiate closing costs on a refinance
Improve your credit score before refinancing